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DRIVER BENEFITS
New full-time non-union employees become eligible for benefit coverage on the 1st day of the month after completing 60
calendar days of employment.
MEDICAL PLANS
Carrier: Blue Cross Blue Shield of Michigan (Simply Blue PPO)
Plan Options: Two choices - High Plan or Low Plan
HIGH PLAN:
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Coinsurance: 80/20 for PPO providers or 60/40 for Non-PPO providers after deductible is met
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Deductible (In-Network): $750 individual / $1,500 family
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Office Visits (In-Network): $40 copay
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Simply Blue applies deductible and coinsurance to office services, including diagnostic, therapeutic and surgical procedures.
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Prescription Drugs: 5-tier copayment/coinsurance structure (In-Network)
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Employee Cost (Pre-Tax):
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$52.04 per week single employee coverage
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$83.27 per week for employee + 1 dependent coverage
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$98.88 per week for family coverage
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LOW PLAN:
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Coinsurance: 80/20 for PPO providers or 60/40 for Non-PPO providers after deductible is met
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Deductible (In-Network): $2,500 individual / $5,000 family
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Office Visits (In-Network): $40 copay
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Simply Blue applies deductible and coinsurance to office services, including diagnostic, therapeutic and surgical procedures.
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Prescription Drugs: 5-tier copayment/coinsurance structure (In-Network)
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Employee Cost (Pre-Tax):
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$36.43 per week for single employee coverage
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$67.65 per week for employee + 1 dependent coverage
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$83.27 per week for family coverage
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TELADOC DIABETES MANAGEMENT:
This program is offered at no cost to MTS employees and family members covered through MTS's medical plan and diagnosed with diabetes.
DENTAL PLAN:
Carrier: Delta Dental of Michigan
Plan Options: Two choices - High Plan or Low Plan
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Cost to employee for dental benefit coverage depends on plan choice and number of members covered.
VISION PLAN:
Carrier: National Vision Administrators (NVA)
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Cost to employee for vision benefit coverage depends on the number of members covered.
LIFE INSURANCE:
MTS employees are eligible for $25,000 of basic life insurance at no cost.
DISABILITY INSURANCE:
Short-term and long-term disability insurance are available to employees at group rates.
401(K) PLAN:
After new employees have completed 6 months of service they are eligible to enter MTS's 401(K) Plan. Employees can invest in any combination of 18 mutual funds, and MTS match to the employee contribution is 25%, up to 20% gross pay. Employees are 100% vested in the 401(K) Plan upon entry.
FLEXIBLE SPENDING ACCOUNTS:
After completing one year of service, employees are eligible to participate in the healthcare FSA and dependent care FSA programs.
After completing six months of service, employees are eligible to participate in the MTS 401(K) Plan.
DETAILED POLICY INFORMATION
401(K) Plan
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Summary Annual Report / Participant Fee Disclosure / QDIA Notice
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Summary Plan Description
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Enrollment Guide
Notice of Insurance Exchange
Affordable Healthcare Act - 1557 Notice of Nondiscrimination
Bereavement Pay/Funeral Leave:
MTS employees shall be granted time off with pay of bereavement and to attend a funeral as follows:
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3 paid days: Employee's spouse, child or parent (includes "step" relationships of the same sort)
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1 paid day: Employee's brother, sister, brother-in-law, sister-in-law or spouse's parent (included "step" relationships of the same type)