Medical Insurance

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2025 Benefits Guide

2025 Benefits Guide - Michigan

2025 Benefits Guide - Outside Michigan

2025 Medical Insurance Plans

MICHIGAN

OUT-OF-MICHIGAN

2025 Medical Health Insurance Overview

In order to help you make an informed decision as to which medical insurance plan option is best for you, please click on the link below. This short medical insurance overview is designed to guide you to key in on which factors are most important to you and what plan best meets that criteria.

To view the overview as a presentation and not just PowerPoint slides, click on the link below and download the overview. Once it opens, please click on "Slide Show" in the top ribbon, then select" F."

Link: Medical Health Insurance Overview

OPTION 1: BLUE CROSS/BLUE SHIELD SB PPO 3000 SUMMARY

For more information regarding the Ave Maria Employee Health Plan CORE Plan coverage, please review this information at the link below:

Link: 2025 BCBSM SB PPO 3000 Plan Summary

In the event you wish to have a copy and are unable to print the document for yourself, please contact the Human Resources Department and we will provide you a copy free of charge.

In accordance with the Patient Protection and Affordable Care Act, you will find the required Summary of Benefits and Coverage (SBC) for the Core Plan below:

Link: 2025 CORE PLAN BCBS PPO Summary of Benefits *

*Please keep in mind that these are generic summaries of benefits and coverage provided by Blue Cross and Blue Shield; to know specific coverage under the Ave Maria Employee Health Plan, refer to the Benefits-at-a-Glance for your specific Plan.

OPTION 2: BLUE CROSS BLUE SHIELD SB PPO HSA 2000 HEALTH SAVINGS PLAN (HSA)

For more information regarding the Ave Maria Employee Health Plan MEDICAL PLAN TWO (2) coverage, please this information on the link below:

Link: 2025 Blue Cross Blue Shield PPO HSA (Health Savings) 2000 Plan Summary

In accordance with the Patient Protection and Affordable Care Act, you will find the required Summary of Benefits and Coverage (SBC) for the Medical Plan BCBS PPO HSA by clicking this link:

Link: 2025 BCBS PPO HSA (Health Savings Account) Summary of Benefits *

*Please keep in mind that these are generic summaries of benefits and coverage provided by Blue Cross and Blue Shield

In the event you wish to have a copy and are unable to print the document for yourself, please contact the Human Resources Department and we will provide you a copy free of charge.

IRS 2025 Health Savings Account Contribution Limits

Single coverage: $4,300 per calendar year

Coverage with dependents: $8,550 per calendar year

Catch-up of 55 years old or over: $1,000 per calendar year

OPTION 3: BCN HMO 1500 PLAN BLUE CARE NETWORK

The Blue Care Network (BCN) HMO is currently available in Michigan only. This plan has a low deductible and low bi-weekly employee deductions. With this plan you must designate a Primary Care Physician (PCP) for medical care management. Your PCP must initiate a referral to a specialist for their medical services to be covered. Coverage is "in-network" only. Please review the chart below for the specifics of this plan.

For more information regarding the Ave Maria Employee Health Plan Blue Care Network HMO coverage, please click on the link below:

Link: 2025 Blue Care Network HMO 1500 Plan Summary

In accordance with the Patient Protection and Affordable Care Act, you will find the required Summary of Benefits and Coverage (SBC) for the Blue Care Network HMO by clicking this link:

Link: 2025 Blue Care Network (BCN) HMO Summary of Benefits *

*Please keep in mind that these are generic summaries of benefits and coverage provided by Blue Cross and Blue Shield

WAIVER OPTION

An employee may choose to opt-out of any medical plan, which is conditional upon submitting documentation/proof of medical and dental coverage provided through a spouse or parent to Human Resources. Once proper documentation of medical coverage for the employee has been verified, the employee may receive a medical insurance bi-weekly opt-out credit of $15.00.