Here's what's coming for your 2023 benefits, which take effect January 1, 2023.
The Blue Shield No Deductible Plan has a new name. It’s now called the Blue Shield EPO. In most cases, the plan coverage remains the same, however, with the Blue Shield EPO, you now have an annual deductible of $500 individual/$1,000 family that applies to certain services. For these services, you must meet the annual deductible before the plan begins paying benefits.
Please note that most commonly used services and goods, such as PCP office visits and prescription medications, are not subject to the plan’s annual deductible.
We’re pleased to announce that we are offering the DeltaCare USA DHMO dental option to employees in all states.
The DHMO plan works much like the medical HMO plans. After you enroll in a DHMO, you (and each enrolled family member) will be asked to select a primary care dentist (PCD) from the network. To receive benefits, you must see your PCD.
When you need to see a specialist, your PCD must refer you to a dentist in the DeltaCare USA DHMO network. If you use a dentist outside the DHMO, you’re responsible for paying the full cost because services won’t be covered by the plan (except in an emergency).
You’ll get even more for your money with our voluntary benefits programs in 2023.
Contact the Blue Shield Concierge team.
Medical Plan | Phone Number | Hours of Service |
---|---|---|
|
855-747-5800 | Monday through Friday, 7 a.m. – 7 p.m. |
|
855-599-2650 | Monday through Friday, 5 a.m. – 7 p.m. |
You can save even more in your HSA for 2023. The IRS limit will increase to $3,850 for team member only and $7,750 for family coverage. Team members age 55 and above can contribute an additional $1,000. Remember, Mercury contributes to your account as well — we’re excited to continue to help you save on health care expenses in 2023!
“My Health” is our voluntary wellbeing program that rewards and supports you and your loved ones in being the healthiest you can be. Your physical, emotional, and financial health are assets that directly contribute to Mercury’s profitability. We want to help you start and end each day with energy, vitality, enthusiasm, creativity, and resilience.
The program starts October 26, 2022 and runs through October 15, 2023! All activities will be voluntary; however, to earn the incentive, your participation is required!
In the 2022/23 program, all Team-members who complete the Wellbeing Assessment (My Health activity) and earn enough points will be able to earn up to $500 in level incentives. Spouses are eligible to earn up to $200. Spouses are also required to complete the Wellbeing Assessment.
Learn more about the program and the variety of challenges and team activities available to let you customize your wellbeing journey. Check out the My Health Wellbeing Ambassador Network.
You can enroll in two ways:
Benefits elected during Open Enrollment will become effective on January 1. After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualified family life event, such as a birth or a marriage.
You’re eligible if you work 30 or more hours per week. Eligibility begins on the 1st of the month following your date of hire. If you’re hired on the 1st of the month, you’re immediately eligible for benefits.
When you enroll for benefits, you can also enroll your eligible dependents. Your eligible dependents include:
1Includes both opposite-sex and same-sex spouses.
2Registered domestic partnership certified by the state of California.
Use this checklist to make the most of your enrollment opportunity:
Benefits elected during Open Enrollment will be effective January 1 – December 31, 2023.
During the year, you can only change your benefits when you experience a qualified life event. Qualified life events include:
If you experience a qualified life event and would like to change your coverage, you must notify the Benefits Department by making the change in UKG within 30 days of the event. You must provide necessary documentation when applicable (for example, a marriage certificate, birth certificate, or proof of loss of coverage).
If you fail to make a change within 30 days of a qualified life event, you won’t be eligible to make a change until the next Open Enrollment period, unless you experience another qualified life event.
Learn more about Mercury’s 2023 benefits at our virtual benefits fair!
Don’t miss this fun and informative event — it’s available 24/7/365!
Medical Coverage (Pre-Tax; Monthly) |
Blue Shield PPO $aver/ HSA Plan | Blue Shield PPO Super $aver/ HSA Plan | Blue Shield HMO Plan | Blue Shield Trio HMO Plan | Kaiser HMO | Kaiser Deductible HMO |
---|---|---|---|---|---|---|
Team Member Only | $200.00 | $100.00 | $225.00 | $100.00 | $210.00 | $140.00 |
Team Member + Spouse/Registered Domestic Partner | $445.00 | $310.00 | $495.00 | $310.00 | $485.00 | $375.00 |
Team Member + Child(ren) | $400.00 | $275.00 | $445.00 | $275.00 | $435.00 | $330.00 |
Family* | $910.00 | $620.00 | $845.00 | $620.00 | $830.00 | $695.00 |
Dental Coverage (Pre-Tax; Monthly) | DeltaCare USA DHMO | Delta Dental PPO |
---|---|---|
Team Member Only | $0.00 | $15.00 |
Team Member + Spouse/Registered Domestic Partner | $17.00 | $60.00 |
Team Member + Child(ren) | $15.00 | $50.00 |
Family* | $32.00 | $105.00 |
Vision Coverage (Pre-Tax; Monthly) | VSP Base | VSP Premier |
---|---|---|
Team Member Only | $6.00 | $9.00 |
Team Member + Spouse/Registered Domestic Partner | $15.00 | $22.00 |
Team Member + Child(ren) | $13.00 | $20.00 |
Family* | $21.00 | $30.00 |
Medical Coverage (Pre-Tax; Monthly) |
Blue Shield PPO $aver/ HSA Plan | Blue Shield PPO Super $aver/ HSA Plan | Blue Shield EPO Plan |
---|---|---|---|
Team Member Only | $200.00 | $100.00 | $230.00 |
Team Member + Spouse/Registered Domestic Partner | $445.00 | $310.00 | $510.00 |
Team Member + Child(ren) | $400.00 | $275.00 | $460.00 |
Family* | $910.00 | $620.00 | $875.00 |
Dental Coverage (Pre-Tax; Monthly) | DeltaCare USA DHMO | Delta Dental PPO |
---|---|---|
Team Member Only | $0.00 | $15.00 |
Team Member + Spouse/Registered Domestic Partner | $17.00 | $60.00 |
Team Member + Child(ren) | $15.00 | $50.00 |
Family* | $32.00 | $105.00 |
Vision Coverage (Pre-Tax; Monthly) | VSP Base | VSP Premier |
---|---|---|
Team Member Only | $6.00 | $9.00 |
Team Member + Spouse/Registered Domestic Partner | $15.00 | $22.00 |
Team Member + Child(ren) | $13.00 | $20.00 |
Family* | $21.00 | $30.00 |
Choosing the right benefit plans is important for both your health and your financial well-being.
Take advantages of the resources below to help understand your options and select the right coverage for you and your family.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).
Federal laws require that Mercury provide you with certain notices that inform you about your rights regarding eligibility, enrollment, and coverage of health care plans. The following sections explain these rules; please read them carefully.
If you have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. See Your Prescription Drug Coverage and Medicare for details.
This notice advises you that the prescription drug coverage you have through Mercury is expected to pay out, on average, at least as much as the standard Medicare prescription drug coverage will pay in 2023. (This is known as “creditable coverage.”) Please read this notice carefully and keep it where you can find it.
“Health care reform” refers to the Affordable Care Act (ACA), which was passed in 2010. The law is intended to extend access to medical coverage to nearly everyone in the United States, eliminate restrictions on key benefits, and help control the country’s rising health costs.
The attached Health Insurance Marketplace Exchange Notice provides information about the individual mandate and your coverage options.
As a team member, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in the case of illness or injury.
Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available an online Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format, to help you compare across options. You can access your online SBC on mymercurybenefits.com or Atlas.
Special enrollment events allow you and your eligible dependents to enroll for health coverage outside the Open Enrollment period under certain circumstances if you lose eligibility for other coverage, become eligible for state premium assistance under Medicaid or the State Children’s Health Insurance Program (S-CHIP), or acquire newly eligible dependents. This is required under the Health Insurance Portability and Accountability Act (HIPAA).
If you decline enrollment in a Mercury medical plan for you or your dependents (including your spouse/registered domestic partner) because of other health insurance coverage, you or your dependents may be able to enroll in a Mercury medical plan without waiting for the next Open Enrollment period if you:
The act requires that all group health plans providing medical and surgical benefits with respect to a mastectomy must provide coverage for all of the following:
This coverage will be provided in consultation with the attending physician and the patient, and will be subject to the same annual deductibles and coinsurance provisions, which apply for the mastectomy. For deductibles and coinsurance information applicable to the plan in which you enroll, please refer to the plan descriptions.
Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).
If you are an team member with medical, dental or vision coverage through Mercury, you have the right to choose continuation coverage if you lose your group health coverage due to reduction in your hours of employment or the termination of your employment for reasons other than gross misconduct. Your eligible dependents may also have the right to elect and pay for continuation of coverage for a temporary period in certain circumstances where coverage under the plan would otherwise end, such as divorce, or dependent children who no longer meet eligibility requirements.
Important Note: This brief summary of the right you and your dependents have to continue insurance is not intended as the official notice of your rights required by federal and state law.
We’ve included this brief summary to inform you that you have these rights. You’ll receive a separate, detailed explanation of your right to continue health insurance coverage when applicable. Specific information is also available from Benefits Administration at 909-607-3195.
You can also call 800-MEDICARE (800-633-4227). TTY users should call 877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at socialsecurity.gov, or call them at 800-772-1213 (TTY 800-325-0778).
For the latest notice effective July 31, 2022, click here.