During your personalized individual meetings, EOI benefit counselors will:
Review your benefits package available
Answer questions and provide additional information
Enroll you in your selected benefits for the 2024 plan year
Administered by BlueCross BlueShield of Michigan
Aludyne offers three plan options so that you can choose the coverage that is right for you.
Difference between In-Network and Out-of-Network Services
All of the medical plans offered by Aludyne allow you to receive medical services outside of the Blue Cross Blue Shield of Michigan Network. While you have the freedom to get services done out of the designated plan network, you will end up paying a higher out-of-pocket cost, as well as paying more per service, than if you used an In-Network provider. Using an In-Network provider is the best way to keep you and your families medical costs as low as possible and is an easy way to take charge of your physical & financial health.
Preventive Care Services
All of the medical plans offered by Aludyne allow you to receive preventive medical services and well-being checks for dependents under 19 years old at no out-of-pocket cost when they are performed at a provider that is in the Blue Cross Blue Shield of Michigan Network. You are able to get preventive services performed out-of-network, but you will have to pay for the service instead of it being free of charge at an In-Network provider. Before going in for a medical service for you or your dependent you can ask if the service being done will be billed as a preventive service. This is another easy way to save money while maintaining the health of you and your loved ones.
To Find a Provider:
Go to www.bcbsm.com and click the “Find a Doctor” link
Click the “Get Started” link to reach the login page. If you have not registered, there is a link on the page to create your BCBSM online account or you can search without registering. After registering or choosing to search as a guest, you will see the below options to search for an In-Network provider. Please note that registering your portal account will automatically search for providers in your elected plan’s network. If searching as a guest, you will need to select your elected plan before searching in order to get accurate results.
Administered by Wex Health
Your Health Savings Account (HSA) elections from last year will not roll over. Speak with a Benefit Counselor to make your elections.
A Health Savings Account (HSA) is a tax-advantaged account that you can use to save for future medical expenses.
You’re eligible for a health savings account if:
Paying the true cost of your medical services, fewer carrier discounts, until your deductible has been met will feel a bit different than other medical plans you may have been enrolled in previously. Aludyne will be making a per pay period contribution into your HSA on your behalf to help you pay towards any qualified medical expenses you may incur throughout the year. You too can put your own pre-tax dollars into this account for future medical expenses.
Your HSA plan banking is administered through WEX Health. You may contact WEX Health member services at 866-451-3399 with questions about your account. To learn more about your HSA, please visit https://benefitslogin.wexhealth.com/ and register to manage your HSA online.
Administered by Fidelity
The 401(k) Plan is an employer-sponsored retirement plan that allows employees to save and invest for the purpose of building savings for retirement. Saving through a 401(k) Plan is an easy way to set aside money for your future. Some things to consider:
Contributions to your account:
Company match:
Investing your account:
Our plan offers a broad choice of investment funds for your savings and the company matching contributions. An array of fund options allow you to tailor your investment strategy to meet the goals you feel are important. Log on to our 401(k) vendor website at www.401k.com for additional details and information.
Investing can come with risks, so it is important to gain as much knowledge as you can about your potential investment before making a decision. It is recommended to speak with Fidelity representative or an outside financial advisor to get the most accurate and complete information possible to make sure your investment strategy aligns with your future financial goals and retirement plans.
Contributions to your account:
Designating Beneficiary:
Just like your other benefits, it is important that you designate a beneficiary for your 401(k) account. This way you will have peace of mind knowing that your accumulated 401(k) savings are in the hands of a trusted loved one to manage should you happen to pass away. Failure to designate a beneficiary will result in the 401(k) account default to being managed by a spouse or estate in the event of your death.
Special limitations may apply. Annual adjustments in limits may increase how much you’re able to save.
Administered by BCBSM
Preferred Provider Organization (PPO)
This dental plan allows the flexibility to select any dentist in-network or out-of-network. By staying in-network, the contract between your dentist and the insurance carrier will make your annual benefit period maximum last longer. Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery. The type of service or procedure received determines the amount of coverage for each visit. Each type of service fits into a class of services according to complexity and cost.
Dental Wellness Center
All Blue Dental members have 24/7 access to the Dental Wellness center, an online source of easy-to-use tools to help you make good decisions about your oral health. The Dental Wellness Center includes:
To access the Dental Wellness Center, visit www.bcbsm.com/dentalvision
To Find a Provider:
Go to www.mibluedentist.com or use the “Provider Finder” tool located in the Dental Wellness Center
Administered by VSP
Vision insurance helps offset the costs of routine eye exams and also helps pay for vision correction eyewear, like eyeglasses and contacts, that may be prescribed by an eye-care provider.
By accessing in-network vision providers, you're able to reap the benefit of true vision insurance coverage. You are eligible for an eye exam and lenses or contact lenses every 12 months and frames every 24 months. Out-of-network providers will merely offer you an allowance towards your vision services.
Blue Vision has a series of perks to be aware of for being an enrolled member on the plan:
VSP has a series of perks to be aware of for being an enrolled member on the plan:
Learn about these offers and more at vsp.com/specialoffers.
To Find a Provider:
Log in or register for an account at www.vsp.com to find providers in your plan’s network.
Haven’t registered yet? You can search for an in-network provider at www.vsp.com/find-eye-doctors.html.
Administered by Reliance Matrix
Voluntary Life and AD&D Insurance
Voluntary Term Life/AD&D allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. Costs are determined on group discounted rates. Always make sure your beneficiary information is updated. If you elect more than the guarantee issue limit, you will need to provide Evidence of Insurability (EOI) in order to be approved for the additional coverage.
An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 50% of what the employee takes out on themselves. Employee and Spouse elected benefits will decrease to 65% of the original amount upon reaching age 65 and will decrease to 55% of the original amount upon reaching age 70. Children lose eligibility for coverage after turning 26. The cost of the benefit is 100% paid for by you. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will go up as you age.
Administered by Reliance Matrix
Accident insurance coverage provides you with payment for a covered accident. It also pays if you undergo testing, receive medical services, treatment of care for any one or more of the covered events as defined in your group certificate. Payments are made directly to you as you see fit. They can be used to help pay for medical plan deductibles and copays, out-of-network treatments, your family’s everyday living expenses or whatever else you need while recuperating from an accident.
As added incentive to staying well, after coverage has been in place for 30 days, you and your covered dependents will be provided an annual wellness benefit per calendar year for completing one of the eligible screening/preventive measures that take place during your no cost preventive care exam.
Administered by Reliance Matrix
Hospital Indemnity insurance provides a direct benefit in the event of a hospitalization, regardless of treatment costs or other insurance coverage. This complements existing medical coverage and helps fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. Enrolling is an excellent way to receive financial peace-of-mind when you or a covered dependent are hospitalized for an extended period of time.
These benefits can be used in conjunction with the Hospital Admission/Confinement benefits from the Voluntary Accident plan (if you elect coverage) in order to receive a larger lump-sum benefit. As added incentive to staying well, after coverage has been in place for 30 days, you and your covered dependents will be provided an annual wellness benefit per calendar year for completing one of the eligible screening/preventive measures that take place during your no cost preventive care exam.
Administered by Reliance Matrix
Critical Illness Insurance is available at a lump-sum of $10,000 or $20,000 that you can use to help cover the out-of-pocket expenses associated with a critical illness. Critical Illness is offered to all eligible employees and is available for any of their dependents. Children are automatically covered at 50% of the employee’s elected benefit, and spouses can elect up to 100% of the employee amount. Initial diagnosis must occur after effective date to be eligible for a claims payment. Benefits are paid directly to you and a reoccurrence benefit is included in the policy.
As added incentive to staying well, after coverage has been in place for 30 days, you and your covered dependents will be provided an annual wellness benefit per calendar year for completing one of the eligible screening/preventive measures that take place during your no cost preventive care exam.
Administered by Reliance Matrix
Basic Life and AD&D
Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Always make sure your beneficiaries are updated. The cost of the benefit is 100% paid for by the company.
Administered by Reliance Matrix
ACI Specialty Benefits EAP service—provided by Reliance Matrix—offers caring and professional assistance for a broad range of concerns including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse. Services are confidential - neither your employer nor coworkers have knowledge of your request for help. EAP services are available 24 hours a day, seven days a week for you and your eligible dependents. There is no cost, it’s just there for you when you need it. Possible reasons to call can include:
Contact your ACI Speciality Benefits EAP:
Administered by Reliance Matrix
If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion of your income for a defined maximum period of time. The disability benefit can help you and your family pay monthly bills, pay for necessities like groceries and gas, and provide other financial relief when you are expected to be out of work due to an injury, illness, birth of a child, and any of the other instances that could cause you to miss work and not receive a regular pay check.
Short-Term Disability
Long-Term Disability
