Health | Sparrow Health System Benefits

UAW-Represented Caregivers

Health Benefits Overview

Benefit	Plan Description	Key Features	What’s New This Year?
Sparrow Health UAW PPO Plus Rate Sheet SBC SPD Enrollment/Change Forms Spousal Access	Sparrow Health PPO is a preferred provider organization (PPO) which allows you to have services performed either in or out of network.	Offers lower out-of-pocket costs, including low deductible and no co-insurance on in-network medical services. No co share on most services, including durable medical equipment, after the deductible is met. Three-tier prescription drug coverage. Prescriptions can be purchased at Sparrow pharmacy locations and the CVS/Caremark network pharmacies, but copays may differ.
Sparrow Health PPO Base Rate Sheet SBC SPD Enrollment/Change Forms Spousal Access	Sparrow Health PPO Base is a preferred provider organization (PPO) which allows you to have services performed either in or out of network. There are two choices of Sparrow PPO plans – Sparrow Health PPO Base and Sparrow Health UAW PPO Plus. The differences in the plans are how much members have to pay out of pocket in deductibles, flat dollar copays, and Annual Max Out of Pocket.	Offers a lower monthly premium (payroll deduction) with higher out-of-pocket (deductible and copay) costs than Sparrow Health UAW PPO Plus. Please see the Rate Sheet for a side-by-side plan comparison. Higher deductible Lower out-of-pocket maximum Increase in some copays, including ER visits and High Tech Imaging Co-share on most services, including on durable medical equipment. No co-share on in-patient hospitalization	Annual vision exam is not included. Note regarding the copay for DAW (dispense-as-written) prescriptions: If a member obtains a brand name drug when a generic is available, the member must pay the difference between the cost of the brand name drug and the cost of its generic, in addition to the copay. This difference will not apply to the deductible or maximum out of pocket.
Sparrow Health HSA Rate Sheet SBC SPD Enrollment/Change Forms 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 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). 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. 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. 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.	The IRS increased the minimum deductible amount for qualifying High Deductible Health Plans (HDHP) effective 1/1/24 from $1,500 Individual / $3,000 Family to $1,600 Individual / $3,200 Family. In order for the Sparrow Health HSA Plan to remain a qualified HDHP allowing participants to contribute to their corresponding HSA account, the annual In-Network deductibles must change to the IRS minimum. The good news is that the IRS also increased the annual contribution limit as well, increasing the Individual amount by $300 and the family amount by $550. If you have a healthcare FSA in 2023 and are electing the Sparrow Health HSA plan for 2024, per the IRS you MUST use all of your 2023 healthcare FSA funds by 12/31/23 in order to open your HSA account January 1. Otherwise, the HSA account cannot be established until April 2024, which includes receipt of the employer contribution. Additionally, if your account is not established until April due to remaining 2023 FSA funds, any expenses incurred from January to March 2024 may not be paid for by funds from the HSA account. 2024 IRS HSA maximum contribution limits increased to: $4,150 (single) and $8,350 (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 HSA plan, administered by PHP. The Sparrow Health HSA plan, administered by PHP, will now include in network Chiropractic coverage with new in network providers! The above changes do not apply to the Sparrow Health UAW PPO Plus plan. Four-tier prescription coverage after deductible. Four coverage levels: Caregiver only, Caregiver + Spouse, Caregiver + Child(ren), Family Annual vision exam is not included. Note regarding the copay for DAW (dispense-as-written) prescriptions: If a member obtains a brand name drug when a generic is available, the member must pay the difference between the cost of the brand name drug and the cost of it’s generic, in addition to the copay once the deductible has been met. This difference will not apply to the deductible or maximum out of pocket.
BCBS Rate Sheet SBC SPD Enrollment/Change Forms 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 UAW PPO Plus
Rate Sheet

SBC

SPD

Enrollment/Change Forms

Spousal Access

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

Offers lower out-of-pocket costs, including low deductible and no co-insurance on in-network medical services.

No co share on most services, including durable medical equipment, after the deductible is met.

Three-tier prescription drug coverage.

Prescriptions can be purchased at Sparrow pharmacy locations and the CVS/Caremark network pharmacies, but copays may differ.

Sparrow Health PPO Base
Rate Sheet

SBC

SPD

Enrollment/Change Forms

Spousal Access

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

There are two choices of Sparrow PPO plans – Sparrow Health PPO Base and Sparrow Health UAW PPO Plus. The differences in the plans are how much members have to pay out of pocket in deductibles, flat dollar copays, and Annual Max Out of Pocket.

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

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

Higher deductible

Lower out-of-pocket maximum

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

Co-share on most services, including on durable medical equipment.

No co-share on in-patient hospitalization

Annual vision exam is not included. Note regarding the copay for DAW (dispense-as-written) prescriptions: If a member obtains a brand name drug when a generic is available, the member must pay the difference between the cost of the brand name drug and the cost of its generic, in addition to the copay. This difference will not apply to the deductible or maximum out of pocket.

Sparrow Health HSA

Rate Sheet

SBC

SPD

Enrollment/Change Forms

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 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). 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.

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.

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.

The IRS increased the minimum deductible amount for qualifying High Deductible Health Plans (HDHP) effective 1/1/24 from $1,500 Individual / $3,000 Family to $1,600 Individual / $3,200 Family. In order for the Sparrow Health HSA Plan to remain a qualified HDHP allowing participants to contribute to their corresponding HSA account, the annual In-Network deductibles must change to the IRS minimum.

The good news is that the IRS also increased the annual contribution limit as well, increasing the Individual amount by $300 and the family amount by $550.

If you have a healthcare FSA in 2023 and are electing the Sparrow Health HSA plan for 2024, per the IRS you MUST use all of your 2023 healthcare FSA funds by 12/31/23 in order to open your HSA account January 1. Otherwise, the HSA account cannot be established until April 2024, which includes receipt of the employer contribution. Additionally, if your account is not established until April due to remaining 2023 FSA funds, any expenses incurred from January to March 2024 may not be paid for by funds from the HSA account.

2024 IRS HSA maximum contribution limits increased to: $4,150 (single) and $8,350 (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 HSA plan, administered by PHP.

The Sparrow Health HSA plan, administered by PHP, will now include in network Chiropractic coverage with new in network providers!

The above changes do not apply to the Sparrow Health UAW PPO Plus plan.

Four-tier prescription coverage after deductible. Four coverage levels: Caregiver only, Caregiver + Spouse, Caregiver + Child(ren), Family

Annual vision exam is not included. Note regarding the copay for DAW (dispense-as-written) prescriptions: If a member obtains a brand name drug when a generic is available, the member must pay the difference between the cost of the brand name drug and the cost of it’s generic, in addition to the copay once the deductible has been met. This difference will not apply to the deductible or maximum out of pocket.

BCBS
Rate Sheet

SBC

SPD

Enrollment/Change Forms

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

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.