LCC is partnered with the Western Michigan Health Insurance Pool (WMHIP) to administer medical plans through Blue Cross Blue Shield (BCBS). The available plans provide a comprehensive variety of coverages to meet the needs of all employee situations and access to the national network of providers available through Blue Cross. Medical enrollees have access to a wealth of tools and resources available on the BCBSM.com portal, as well as other great programs available at no cost: 2nd.MD, Livongo, and Omada.
Read below for detailed information about this benefit:
Eligibility
Employees who are eligible to enroll in medical insurance include 1) full-time employees and 2) part-time employees who work 75% of a full-timer’s load (eligible under the Affordable Care Act (ACA) guidelines).
Employees can enroll their eligible dependents onto the medical coverage as well. Eligible dependents include their legal spouse, children (biological, step, legally adopted, by virtue of legal guardianship, eligible because of a court order), and any Additional Eligible Adult (AEA). Dependent children are eligible to remain covered through the end of the month of their 26th birthday.
Eligibility - Child Age 26 and Older
In order to maintain eligibility for medical insurance past the month of their 26th birthday, a child must meet the following requirements: 1) was covered under this program at the end of the month of their 26th birthday, 2) is a full-time student*, 3) is unmarried, 4) lives primarily with you (unless temporarily away at school), and 5) you provide over 50% support OR 1) was covered under this program at the end of the month of their 26th birthday, 2) before age 19, is mentally or physically disabled, 3) is dependent upon you for a majority of their support, and 4) is incapable of self-sustaining employment by reason of their mental or physical disability
*A "Full-time Student" is someone who enrolls during each of at least five months during the taxable year for what is considered a full-time course of study at an ongoing educational organization.
Eligibility - Additional Eligible Adult (AEA)
Coverage Information
Explore the different Blue Cross Blue Shield (BCBS) medical plan options below:
PPO Select $500/$1,000 Deductible Plan
This plan is only available to full-time employees and their eligible dependents.
Versatile 3 PPO $250/$500 Deductible Plan with 90/10 Coinsurance
Flexible Blue HDHP $1,400/$2,800 Deductible Plan
This plan is a high deductible health plan (HDHP), which means it is compatible with a Health Savings Account (HSA). An HSA works in conjunction with the medical plan to provide additional financial stability by covering out-of-pocket health care costs, such as deductible and coinsurance, from a tax-advantaged savings account. If an employee enrolls in this medical plan, they will receive a welcome kit from our HSA administrator, HealthEquity, with information about how to contribute and use the HSA.
PPO Plan 3 $1,000/$2,000 Deductible Plan with 80/20 Coinsurance
This plan is only available to full-time employees and their eligible dependents.
Essential HDHP $3,000/$6,000 Deductible Plan with 80/20 Coinsurance
This plan is a high deductible health plan (HDHP), which means it is compatible with a Health Savings Account (HSA). An HSA works in conjunction with the medical plan to provide additional financial stability by covering out-of-pocket health care costs, such as deductible and coinsurance, from a tax-advantaged savings account. If an employee enrolls in this medical plan, they will receive a welcome kit from our HSA administrator, HealthEquity, with information about how to contribute and use the HSA.
Options for Care
Explore the different options of non-emergent care that BCBS provides to enrollees, such as Blue Cross Online Visits and the 24-Hour Nurse Line.
Free Services and Programs
Employees and dependents enrolled in one of the medical plans have confidential and FREE services/programs available to them, offered through WMHIP:
2nd.MD
2nd.MD provides a second opinion and medical advice service for any questions or concerns related to a diagnosis or treatment plan, a possible surgery, medications, or a chronic condition.
Livongo
Livongo is a personalized diabetes management experience that helps members understand their blood sugar, develop healthy lifestyle habits, and improve glycemic control. This program includes:
- A cellular-enabled blood glucose meter that provides real-time feedback for glucose readings
- Unlimited strips to remove barriers to checking
- Health challenges to encourage small wins that make big impacts
- 24/7 remote monitoring with emergency outreach
- 1:1 live coaching with Livongo Expert Coaches
- Easy to share health summary reports for care coordination
Omada
Omada is a digital behavior change program that supports people at risk for obesity-related chronic conditions like type 2 diabetes and hypertension. This programs includes:
- A cellular-enabled weight monitoring scale
- A professional health coach
- Weekly lessons with relevant, engaging content
- Peer support group
- Medication adherence support
- Blood glucose and blood sugar tracking
Premium (Cost)
The following rates are for the 2021 Plan Year. Please reference the 2022 Employee Health Insurance Premiums for 2022 rates.
Full-Time Employee Premium
PPO Select $500/$1,000 Deductible Plan
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $798.31 $211.32 $105.66 $586.99 Two Person $1,796.15 $546.01 $273.00 $1,250.14 Family $2,235.23 $679.47 $339.74 $1,555.76 Versatile 3 PPO $250/$500 Deductible Plan with 90/10 Coinsurance
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $730.19 $143.19 $71.60 $587.00 Two Person $1,642.89 $376.77 $188.38 $1,266.12 Family $2,044.51 $468.87 $234.44 $1,575.64 Flexible Blue HDHP $1,400/$2,800 Deductible Plan
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $677.35 $90.36 $45.18 $586.99 Two Person $1,523.99 $254.67 $127.34 $1,269.32 Family $1,896.35 $316.89 $158.45 $1,579.46 PPO Plan 3 $1,000/$2,000 Deductible Plan with 80/20 Coinsurance
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $641.32 $54.33 $27.16 $586.99 Two Person $1,442.93 $184.39 $92.19 $1,258.54 Family $1,795.49 $229.44 $114.72 $1,566.05 Essential HDHP $3,000/$6,000 Deductible Plan with 80/20 Coinsurance
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $573.30 $ - $ - $573.30 Two Person $1,289.87 $18.44 $9.22 $1,271.43 Family $1,605.04 $22.94 $11.47 $1,582.10
ACA PART-TIME EMPLOYEE PREMIUM
Versatile 3 PPO $250/$500 Deductible Plan with 90/10 Coinsurance
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $730.19 $202.85 $101.42 $527.34 Two Person $1,642.89 $1,115.55 $557.78 $527.34 Family $2,044.51 $1,517.17 $758.59 $527.34 Flexible Blue HDHP $1,400/$2,800 Deductible Plan
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $677.35 $150.01 $75.01 $527.34 Two Person $1,523.99 $996.65 $498.33 $527.34 Family $1,896.35 $1,369.01 $684.51 $527.34 Essential HDHP $3,000/$6,000 Deductible Plan with 80/20 Coinsurance
Coverage Full Monthly Premium Employee Share of Monthly Premium Employee Per Pay Period Deduction Employer Share of Monthly Premium Single $573.30 $45.96 $22.98 $527.34 Two Person $1,289.87 $762.53 $381.27 $527.34 Family $1,605.04 $1,077.70 $538.85 $527.34
GRANDFATHERED PART-TIME EMPLOYEE PREMIUM
Versatile 3 PPO $250/$500 Deductible Plan with 90/10 Coinsurance
Coverage Full Monthly Premium Employer Share of Monthly Premium Employee Share of Monthly Premium (grandfathered with subsidy) With Subsidy Per Pay Employee Share of Monthly Premium (grandfathered without subsidy) Without Subsidy Per Pay Single $730.19 $360.08 $370.11 $185.06 $730.19 $365.10 Two Person $1,642.89 $808.73 $834.16 $417.08 $1,642.89 $821.45 Family $2,044.51 $1,007.68 $1,036.83 $518.42 $2,044.51 $1,022.25 Flexible Blue HDHP $1,400/$2,800 Deductible Plan
Coverage Full Monthly Premium Employer Share of Monthly Premium Employee Share of Monthly Premium (grandfathered with subsidy) With Subsidy Per Pay Employee Share of Monthly Premium (grandfathered without subsidy) Without Subsidy Per Pay Single $677.35 $360.08 $317.27 $158.64 $677.35 $338.68 Two Person $1,523.99 $808.73 $715.26 $357.63 $1,523.99 $761.99 Family $1,896.35 $1,007.68 $888.67 $444.34 $1,896.35 $948.18 Essential HDHP $3,000/$6,000 Deductible Plan with 80/20 Coinsurance
Coverage Full Monthly Premium Employer Share of Monthly Premium Employee Share of Monthly Premium (grandfathered with subsidy) With Subsidy Per Pay Employee Share of Monthly Premium (grandfathered without subsidy) Without Subsidy Per Pay Single $573.30 $360.08 $213.22 $106.61 $573.30 $286.65 Two Person $1,289.87 $808.73 $481.14 $240.57 $1,289.87 $644.93 Family $1,605.04 $1,007.68 $597.36 $298.68 $1,605.04 $802.52
My Coverage Resources and Forms
Enrollment Form
Blue Cross Blue Shield (BCBS) Account Portal
You can check your account balance and coverage, track your claims and explanation of benefits statements, find care and look up costs, and so much more by logging onto your BCBSM.com account portal.
BCBS Mobile App
Once you have activated your BCBS online account, access your account information and BCBS resources through the Blue Cross Mobile App.
BCBS Member ID Card
Upon initial enrollment, BCBS will mail your physical member cards to your home address on file with Human Resources. Check out the below flyer for information on how to order replacement or additional cards and how to access your virtual card:
Finding Care
Get to know your in-network BCBS choices of non-emergency care:
Prescription Resources
Explore some helpful resources to better understand your BCBS prescription drug plan and other ways to save on your prescriptions.
Coverage while Traveling or Living Abroad
As a BCBS member, you take your healthcare benefits with you when you are abroad. Through the BCBS Global Core program, you have access to doctors and hospitals around the world.
Blue365 Health and Wellness Discount Program
Blue365 is a free health and wellness discount program offered to BCBS enrollees. It offers year-round discounts on gym memberships, fitness gear, healthy eating options, and much more!
Blue Cross Virtual Well-Being
BCBS offers high-energy, live weekly webinars to provide inspiration and motivation to help you improve your well-being.
Massage Therapy Benefit Letter
Enrollees of the PPO Select or Versatile 3 PPO have a massage therapy benefit within their plan. If providers need billing information regarding this massage therapy benefit, enrollees can provide the following letter:
Benefits Enrollment & Changes
When and how can I enroll in and make changes to my eligible benefits?
Health Insurance Marketplace
Check out information about the Marketplace, especially if you are not eligible for coverage through LCC.
Questions?
Contact your HR Benefits Team at LCC-HR-Benefits@star.lcc.edu
Contact Human Resources
Phone: 517-483-1870
Fax: 517-483-1883
Fall Hours
Monday - Friday:
8:00 a.m. - 5:00 p.m.
Administration Building
Suite 103 & 106
610 North Capitol Avenue
Lansing, MI 48933