Welcome to the 2024 Benefits Program
CSM Corporation offers a full suite of benefits including medical, dental, vision, disability, life and AD&D, wellness programs, and value added services. This benefits summary provides highlights of these plans and programs. Please read the summary plan descriptions and additional documents for full plan information.
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Eligibility Overview
All full-time associates who work an average of 30 hours or more per week are eligible to participate in CSM’s benefit plans according to the established waiting periods. Please see Associate Handbook for full eligibility requirements.
Eligible dependents may also participate:
- Legally married spouse
- Dependent children to age 26
- Disabled Children over the age of 26
When am I Eligible?
New hires are eligible for benefits beginning the first of the month following a 30 day waiting period.
Please Note:
Unless you have a qualified life event, you cannot make changes to your benefits until the next annual enrollment period. Should you experience a qualified life event during the year, please notify CSM by logging onto UKG Pro at https://n12.UltiPro.com/ and then click on the WEX logo. Employees may also call WEX at (833) 395-7447 to make changes.
Examples of qualifying life events are:
- Loss or gain of coverage through your legal spouse
- Loss of eligibility of a covered dependent
- Death of your covered legal spouse or child
- Birth or adoption of a child
- Marriage, divorce or legal separation
- Or change from full-time to part-time or part-time to full-time.
What am I Eligible for?
As a CSM employee you are eligible for a variety of benefits. Some benefits you will need to enroll in. Other benefits are paid for by CSM and you will be automatically enrolled in them. See the table below for a full list of benefits, which ones require enrollment, and who pays for the benefit.
Glossary of Benefit Terms
Allowed Amount
The amount the insurance carrier (BCBS) has agreed to pay a medical provider.
Coinsurance
A payment structure that starts after meeting your deductible. In coinsurance, you and the plan each pay a percentage for covered services. Example: 80/20 coinsurance means the plan pays 80 percent and you pay 20 percent.
Convenience or Retail Clinic
These clinics treat a limited list of common illnesses. They are often located in or near a retail store.
Copay
A fee you pay every time you get medical care or a prescription. Copays can vary based on where you get care.
Cost Sharing
Refers to the member sharing medical costs with the health plan through copays, deductible and coinsurance.
Deductible
A deductible is the amount of money you must pay before the plan begins paying benefits for specified services. Deductibles do not apply to all services and is the amount you need to pay before the medical plan will start paying.
Evidence of Insurability (EOI)
Document completed by you and returned to the insurance carrier when requesting coverage. Typically used for life and disability coverage.
Explanation of Healthcare Benefits (EOB)
A letter you receive after getting care that shows costs, the amount the health plan is expected to pay and the amount you are expected to pay. You do not pay anything when you receive an EOB.
Flexible Spending Account (FSA)
Special accounts you can contribute money to on a pre-tax basis for medical and dependent care expenses.
In-Network
In network refers to providers or health care facilities that are part of a health plan’s network of providers with which it has negotiated a discount. Insured individuals usually pay less when using an in-network provider, because those networks provide services at lower cost to the insurance companies with which they have contracts. Go to bluecrossmnonline.com to find covered providers.
Life Event or Qualified Life Event
A qualifying life event is a big life-changing situation – sometimes planned, sometimes unexpected – that can impact you and your health insurance. Experiencing a life event may allow you to change your elections outside of the annual enrollment period.
Out-of-Network
Out-of-network refers to physicians, hospitals or other health care providers who are considered nonparticipants in an insurance plan or network. Depending on an individual’s health insurance plan, expenses incurred by services provided by out-of-plan health professionals may not be covered, or covered only in part by individual’s insurance company.
Out-of-Pocket Maximum
The out of pocket maximum is the maximum amount you will pay, inclusive of copayments/coinsurance and deductibles for covered services, in a plan year. Once you have reached the out-of-pocket maximum during a policy year the plan pays any remaining eligible services at 100%.
PPO
Preferred Provider Organization. A PPO offers a network of health care providers you can use as part of your medical plan.
Premium
Your regular payment to your health plan. Generally, a higher premium means lower monthly out-of-pocket costs, and a lower premium means higher out-of-pocket costs. Your premium does not count towards your deductible or out-of-pocket maximum.
Get Ready to Enroll
After you have reviewed your benefits and are ready to make decisions, gather your dependent verification documents.
If your dependents weren’t previously enrolled in your medical, dental, or vision plan, or if your dependent’s documents need to be verified, you will need to provide current documentation showing that they are an eligible dependent. You will need to upload this documentation to complete enrollment and/or you may be asked to provide it at a later date. Your dependent(s) will not have active coverage until verification documents are received and approved. Acceptable documents include:
Once you have these documents, they can be uploaded into WEX. For questions, you can contact WEX at (833) 395-7447
To enroll click the following link and navigate to WEX to enroll from there: https://n12.ultipro.com