Health | Sparrow Health System Benefits

SEIU-Represented Caregivers

Health Benefits Overview

Benefit	Plan Description	Key Features	What’s New This Year?
Sparrow Health PPO Plus RN Rate Sheet S&T Rate Sheet SBC SPD Enrollment Form Change Form Spousal Access	Sparrow Health PPO Plus is a preferred provider organization (PPO) which allows Caregivers to have services performed either in or out of network.	Offers lower out-of-pocket costs (deductibles and copays) but has a higher monthly premium (payroll deduction) than Sparrow Health PPO Base. No co share on most services, including durable medical equipment, after the deductible is met. Four-tier prescription drug coverage; Prescriptions can be purchased at any CVS/Caremark network pharmacy for the same copay as Sparrow pharmacy locations.	The Sparrow Provider Network (SPN) will now include Michigan Medicine providers as In Network on the Sparrow health plans, administered by PHP. The Sparrow health plans, administered by PHP, will now include in network Chiropractic coverage with new in network providers!
Sparrow Health PPO Base RN Rate Sheet S&T Rate Sheet SBC SPD Enrollment Form Change Form Spousal Access	Sparrow Health PPO Base is a preferred provider organization (PPO) which allows Caregivers to have services performed either in or out of network.	Offers a lower monthly premium (payroll deduction) with higher out-of-pocket (deductible and copay) costs than Sparrow Health PPO Plus. Please see the Rate Sheet for a side-by-side plan comparison. Higher deductible Lower annual maximum out-of-pocket Increase in some copays, including ER visits and High Tech Imaging 10% co-share on most services, including on durable medical equipment. No co-share on in-patient hospitalization Four-tier prescription drug coverage Prescriptions can be purchased at any CVS/Caremark network pharmacy, for the same copay as Sparrow pharmacy locations	The Sparrow Provider Network (SPN) will now include Michigan Medicine providers as In Network on the Sparrow health plans, administered by PHP. The Sparrow health plans, administered by PHP, will now include in network Chiropractic coverage with new in network providers!
Sparrow Health HSA RN Rate Sheet S&T Rate Sheet SBC SPD Enrollment Form Change Form Spousal Access	An account based medical plan. Provides a Health Spending Account (HSA) that allows Caregivers to reimburse yourself for eligible expenses. Sparrow contributes money to a Caregiver’s HSA account annually and Caregivers can choose to contribute on a pre-tax basis as well. Caregivers own the money in their HSA accounts and they can take the money with them when they leave employment. HSA money at the end of the year rolls over to the next year. This plan has a higher deductible, but after the deductible is met in network coverage is 100%, except for prescriptions.	Monthly premiums are less than the other plan options, gives Caregivers more control over how and when they spend their health care dollars and allows Caregivers to save – tax-free – for future health care expenses. Sparrow employer contribution: $750 (single) or $1,500 (family); HSA Employer Contributions will be prorated monthly based on benefit effective date. Employer Contributions as a result of open enrollment, or continued participation in the Sparrow Health HSA plan, will be processed after the first pay period in January. All other HSA Employer Contributions will be prorated monthly based on benefit effective date and deposited within 30 days of the benefit election date. Please contact HR for further details. HSA enrollees are not eligible for the Health Care Flexible Spending Account. Note: Health Savings Accounts are not available to Caregivers enrolled in a Health Care Flexible Spending Account. You also may not contribute to an HSA if you are enrolled in Medicare Part A and/or Part B. Four-tier prescription drug coverage after deductible is met; Prescriptions can be purchased at any CVS/Caremark network pharmacy, for the same copay as Sparrow pharmacy locations. Caregivers electing HSA/FSA benefit options are responsible to manage compliance with IRS HSA/FSA rules. Note regarding contributions: Sparrow automatically makes a one-time annual employer contribution to your HSA account, pro-rated based on effective date. Caregivers are responsible for managing annual HSA/FSA contributions to ensure that the annual IRS limit is not exceeded. Caregivers who should find they have over-contributed in any calendar year would be responsible to request the HSA vendor to distribute any excess contributions from their account by April 15 of the subsequent year.	If you have a healthcare FSA in 2021 and are electing the Sparrow Health HSA plan for 2022, per the IRS you MUST use all of your 2021 healthcare FSA funds by 12/31/21 in order to open your HSA account January 1. Otherwise, the HSA account cannot be established until April 2022, which includes receipt of the employer contribution. Additionally, if your account is not established until April due to remaining 2021 FSA funds, any expenses incurred from January to March 2022 may not be paid for by funds from the HSA account. 2022 IRS HSA maximum contribution limits increased to: $3,650 (single) and $7,300 (family); Contribution limits include any employer contributions. The Sparrow Provider Network (SPN) will now include Michigan Medicine providers as In Network on the Sparrow health plans, administered by PHP. The Sparrow health plans, administered by PHP, will now include in network Chiropractic coverage with new in network providers!
BCBS RN Rate Sheet S&T Rate Sheet SBC SPD Enrollment Form Change Form Spousal Access	Blue Cross, Blue Shield (BCBS) is a preferred provider organization (PPO) which allows Caregivers to have services performed either in or out of network. After your deductible is met, Caregivers are responsible for paying a percentage copay on all covered services until their Annual Max Out of Pocket has been met for the year	Offers a larger provider network and may be for Caregivers that need to seek services outside the Sparrow network or the state of MI (such as a child in college out of state). You are not required to select a primary care physician.	No changes

Benefit

Plan Description

Key Features

What’s New This Year?

Sparrow Health PPO Plus

Sparrow Health PPO Plus is a preferred provider organization (PPO) which allows Caregivers to have services performed either in or out of network.

Offers lower out-of-pocket costs (deductibles and copays) but has a higher monthly premium (payroll deduction) than Sparrow Health PPO Base.

No co share on most services, including durable medical equipment, after the deductible is met. Four-tier prescription drug coverage; Prescriptions can be purchased at any CVS/Caremark network pharmacy for the same copay as Sparrow pharmacy locations.

The Sparrow Provider Network (SPN) will now include Michigan Medicine providers as In Network on the Sparrow health plans, administered by PHP.

The Sparrow health plans, administered by PHP, will now include in network Chiropractic coverage with new in network providers!

Sparrow Health PPO Base

Sparrow Health PPO Base is a preferred provider organization (PPO) which allows Caregivers to have services performed either in or out of network.

Offers a lower monthly premium (payroll deduction) with higher out-of-pocket (deductible and copay) costs than Sparrow Health PPO Plus.

Please see the Rate Sheet for a side-by-side plan comparison.

Higher deductible

Lower annual maximum out-of-pocket

Increase in some copays, including ER visits and High Tech Imaging

10% co-share on most services, including on durable medical equipment.

No co-share on in-patient hospitalization

Four-tier prescription drug coverage

Prescriptions can be purchased at any CVS/Caremark network pharmacy, for the same copay as Sparrow pharmacy locations

The Sparrow Provider Network (SPN) will now include Michigan Medicine providers as In Network on the Sparrow health plans, administered by PHP.

The Sparrow health plans, administered by PHP, will now include in network Chiropractic coverage with new in network providers!

Sparrow Health HSA

An account based medical plan.

Provides a Health Spending Account (HSA) that allows Caregivers to reimburse yourself for eligible expenses.

Sparrow contributes money to a Caregiver’s HSA account annually and Caregivers can choose to contribute on a pre-tax basis as well.

Caregivers own the money in their HSA accounts and they can take the money with them when they leave employment. HSA money at the end of the year rolls over to the next year.

This plan has a higher deductible, but after the deductible is met in network coverage is 100%, except for prescriptions.

Monthly premiums are less than the other plan options, gives Caregivers more control over how and when they spend their health care dollars and allows Caregivers to save – tax-free – for future health care expenses.

Sparrow employer contribution: $750 (single) or $1,500 (family); HSA Employer Contributions will be prorated monthly based on benefit effective date.

Employer Contributions as a result of open enrollment, or continued participation in the Sparrow Health HSA plan, will be processed after the first pay period in January. All other HSA Employer Contributions will be prorated monthly based on benefit effective date and deposited within 30 days of the benefit election date. Please contact HR for further details.

HSA enrollees are not eligible for the Health Care Flexible Spending Account.

Note: Health Savings Accounts are not available to Caregivers enrolled in a Health Care Flexible Spending Account. You also may not contribute to an HSA if you are enrolled in Medicare Part A and/or Part B.

Four-tier prescription drug coverage after deductible is met; Prescriptions can be purchased at any CVS/Caremark network pharmacy, for the same copay as Sparrow pharmacy locations.

Caregivers electing HSA/FSA benefit options are responsible to manage compliance with IRS HSA/FSA rules. Note regarding contributions: Sparrow automatically makes a one-time annual employer contribution to your HSA account, pro-rated based on effective date. Caregivers are responsible for managing annual HSA/FSA contributions to ensure that the annual IRS limit is not exceeded. Caregivers who should find they have over-contributed in any calendar year would be responsible to request the HSA vendor to distribute any excess contributions from their account by April 15 of the subsequent year.

If you have a healthcare FSA in 2021 and are electing the Sparrow Health HSA plan for 2022, per the IRS you MUST use all of your 2021 healthcare FSA funds by 12/31/21 in order to open your HSA account January 1. Otherwise, the HSA account cannot be established until April 2022, which includes receipt of the employer contribution. Additionally, if your account is not established until April due to remaining 2021 FSA funds, any expenses incurred from January to March 2022 may not be paid for by funds from the HSA account.

2022 IRS HSA maximum contribution limits increased to: $3,650 (single) and $7,300 (family); Contribution limits include any employer contributions.

The Sparrow Provider Network (SPN) will now include Michigan Medicine providers as In Network on the Sparrow health plans, administered by PHP.

The Sparrow health plans, administered by PHP, will now include in network Chiropractic coverage with new in network providers!

BCBS

Blue Cross, Blue Shield (BCBS) is a preferred provider organization (PPO) which allows Caregivers to have services performed either in or out of network.

After your deductible is met, Caregivers are responsible for paying a percentage copay on all covered services until their Annual Max Out of Pocket has been met for the year

Offers a larger provider network and may be for Caregivers that need to seek services outside the Sparrow network or the state of MI (such as a child in college out of state).

You are not required to select a primary care physician.

No changes

For Information Call:

Total Rewards Hotline

517-364-5333

[email protected]

This is a summary of the benefits provided by each insurance carrier and it is not intended to fully describe the details of each benefit plan. Should any questions arise, the contracts in effect will take precedence.