
To support your health and financial wellness, WinnCompanies provides valuable benefits that help you and your family stay healthy and pay for care in the event of illness or injury.
WinnCompanies offers you a choice of medical plans with a wide range of coverage levels and costs, so you have the flexibility to select the option that’s best for you.
Plan | Description |
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$1,250 PPO Plan Administered by Blue Cross Blue Shield of Massachusetts
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Enjoy greater predictability of costs through copays for doctor’s visits and prescriptions, along with a low deductible and higher premiums. |
$1,850 PPO Plan Administered by Blue Cross Blue Shield of Massachusetts
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Balance your paycheck and out-of-pocket costs with a moderate deductible and moderate premiums, along with copays for doctor’s visits and prescriptions. |
$3,000 PPO HDHP with HSA Administered by Blue Cross Blue Shield of Massachusetts
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Take charge of your spending through lower premiums, higher deductibles, and a tax-free Health Savings Account (HSA) (with contributions from WinnCompanies) that you own for life. |
$900 HMO $3,000 HMO HDHP with HSA Administered by Kaiser (only available to California, DC, Virginia, and Maryland team members who live within the Kaiser service area)
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Pay less in medical plan contributions than the standard BCBS options and receive coverage for services only when you use Kaiser’s network of providers. Your Primary Care Provider (PCP) will coordinate your care and provide referrals to a specialist if necessary. |
Log in to the MM365+ website to compare the plans and see more details. |
If you live in Massachusetts or New Hampshire, you have three additional regional medical plan options from Blue Cross Blue Shield to choose from: the $1,250 PPO Plan with Hospital Choice Cost Share, the $1,850 PPO Plan with Hospital Choice Cost Share, and the $3,000 Plan with HSA with Hospital Choice Cost Share.
These regional medical plan options provide the same benefits as the national plans through BCBS, but your cost share for hospital services will differ depending on which hospital you visit. Review the 2023 network hospital list to see which hospitals are in the Lower Cost Share tier. If you enroll in one of these regional options, your per-paycheck cost for medical coverage will be less than it would be under the BCBS national plans.
Visit the MM365+ website to see complete details for all the plans that are available to you.
If you live in California, DC, Virginia or Maryland, you may have two regional medical plan options through Kaiser to choose from, depending on your ZIP code: the $900 HMO and the $3,000 PPO HDHP with HSA.
With the Kaiser HMO options, you pay less in medical plan contributions than you would under the standard BCBS options. You receive coverage for services only when using Kaiser’s network of providers, and your provider network is smaller than under the standard BCBS medical plans. Your Primary Care Provider (PCP) will coordinate your care.
The Kaiser HMOs are not available everywhere. These options will only be displayed on the MM365+ website if your home ZIP code is within the Kaiser service area.
All of WinnCompanies' medical plans offer:
for a wide range of health care services.
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
included in each medical plan, with benefits for both retail and mail order pharmacies.
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
wellness resources, programs, and tools.
To be eligible for benefits from WinnCompanies, you must be an active, regular team member working a minimum of 30 hours a week, and you must have completed 30 days of service.
In addition to enrolling yourself in benefits coverage, you may also enroll certain dependents. Your eligible dependents may include:
Only those dependents meeting the eligibility requirements can enroll for coverage. Call 1-855-559-4515 to speak with a benefits counselor for more information.
If you plan to enroll a spouse or domestic partner in benefits coverage, please note that the WinnCompanies medical plans include a spousal/domestic partner surcharge. If you choose to cover your spouse/domestic partner under the WinnCompanies benefits, and he/she has access to other health coverage, you will pay an additional $600 per year for your medical insurance. See the rate information on MM365+ for details.
Keep in mind that per IRS rules, the amount that WinnCompanies pays toward the cost of your domestic partner’s coverage will be considered imputable income and taxed accordingly. Team Members choosing to enroll a Domestic Partner will be required to complete an affidavit certifying the Domestic Partner relationship.
The $1,250 PPO Plan offers lower out-of-pocket costs in exchange for higher premiums. With this plan, your costs are more predictable, but you’ll likely still have out-of-pocket expenses. You can see any provider you wish, but you will pay significantly less when you stay in network.
You pay the plan premium from your paycheck to have coverage.
Copay
You pay a fee at the time of service for in-network doctor visits and prescriptions.
Deductible
For care that doesn’t charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services. The plan pays the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Note for MA/NH team members: The $1,250 PPO Plan with Hospital Choice Cost Share works the same way as the $1,250 PPO Plan, but your cost share for hospital services will differ depending on which hospital you visit.
Here are ways to make the most of your plan all year long.
For more information, visit the Winntranet to see the Benefit Guides, including rates. You can also view detailed plan Certificates in Documents list on MM365+.
Compared to the $1,250 PPO Plan, the $1,850 PPO Plan offers lower premiums in exchange for higher out-of-pocket costs. With this plan, your expenses are still predictable, but you take on more responsibility for the cost of your care. You can see any provider you wish, but you will pay significantly less when you stay in network.
You pay the plan premium from your paycheck to have coverage.
Copay
You pay a fee at the time of service for in-network doctor visits and prescriptions.
Deductible
For care that doesn’t charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services. The plan pays the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Note for MA/NH team members: The $1,850 PPO Plan with Hospital Choice Cost Share works the same way as the $1,850 PPO Plan, but your cost share for hospital services will differ depending on which hospital you visit.
Here are ways to make the most of your plan all year long.
For more information, visit the Employee Resources page on Winntranet to see the detailed plan certificate and rates.
The $3,000 PPO HDHP with HSA pairs low-premium, high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save up for future medical expenses. As an added bonus, WinnCompanies will contribute to your HSA — $500 for team member-only coverage and $1,000 for all other coverage levels. Money in your HSA can be carried forward from year to year and is always yours to keep (even if you retire or leave WinnCompanies). With this plan, you can see any provider you wish, but you will pay significantly less when you stay in network.
You pay the plan premium from your paycheck to have coverage.
HSA
You can set aside tax-free money from your paycheck and receive company contributions to help cover your costs — now, or in the future.
Deductible
You pay 100% of costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services. The plan pays the majority. You will also pay a copay for emergency care and prescription drugs.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Note for MA/NH team members: The $3,000 Plan with HSA with Hospital Choice Cost Share works the same way as the $3,000 PPO HDHP with HSA, but your cost share for hospital services will differ depending on which hospital you visit.
Here are ways to make the most of your plan all year long.
For more information, visit the Employee Resources page on Winntranet to see the detailed plan certificate and rates.
The Kaiser HMO Plans provide coverage only when you receive care from providers within the HMO network. Your Primary Care Provider (PCP) will coordinate your care to help manage costs.
Note: These plans are only available to team members in California, DC, Virginia, and Maryland who live within the Kaiser service area.
You pay the plan premium from your paycheck to have coverage.
Copay
In the $900 HMO, you pay a small fee at the time of service for in-network doctor visits and Tier 1 prescriptions.
Deductible
For all other nonpreventive services, you pay 100% of the costs until you meet the annual deductible. (The deductible does not apply to prescriptions in the $900 HMO.)
Coinsurance
After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Here are ways to make the most of your plan all year long.
For more information, visit the Employee Resources page on Winntranet to see the detailed plan certificate and rates.
Using in-network providers saves you money. Here’s how to find doctors in your medical plan network if you’re enrolled in a Blue Cross Blue Shield medical plan.
To help you decide if a Hospital Choice Cost Share plan is right for you, be sure to review the 2023 network hospital list to see if the hospitals and facilities where you and your family receive care have a Higher or Lower Cost Share.
Use Kaiser’s Find a Doctor search tool to search for healthcare providers in your area.
When you enroll in a WinnCompanies medical plan, you automatically receive prescription drug benefits.
The cost of your prescription drugs depends on the tier of the medication:
For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.
The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save on the cost of your prescriptions.
Finding the care you need is fast, easy, and convenient with Well Connection. Available as a covered benefit with your Blue Cross Blue Shield medical plan, Well Connection offers a convenient alternative to a face-to-face doctor’s office visit.
Video visits through Well Connection enable you and your covered family members to see a doctor online for a range of issues, from minor illnesses and injuries, chronic conditions, and even general health and wellness concerns. Telehealth also provides limited therapy visits with certified professionals. And it’s available 24/7/365.
Using Well Connection, you’ll be able to:
A telehealth visit costs the same as a doctor’s office visit. $3,000 PPO HDHP with HSA participants are subject to the applicable deductible. Telehealth may be less expensive than going to the ER or an urgent care center, and faster than making an appointment and driving to the doctor’s office. Telehealth doctors can diagnose and prescribe medicine for issues such as:
Medical Care | Behavioral Health |
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Bronchitis | Depression |
Flu | Anxiety |
Pink eye | Child behavioral issues |
Fever | Coping with chronic health problems |
Sprains and strains | Smoking cessation |
Reactions to medications | Stress management |
Sore throat | Weight management |
Sinus infections | Sleep difficulties |
And more | And more |
Learn more at www.bluecrossma.com/telehealth. Your service key is BCBSMA.
IRS regulations restrict your ability to change your elections during the year unless you experience a qualifying life event such as marriage, divorce, birth or adoption of a child, death of a dependent, changes in your or your spouse’s status, or an involuntary loss of coverage under another plan.
You have 30 days from the date of the qualifying life event to make changes to your coverage, as long as the changes are consistent with the qualifying life event. Initiate your life event and make coverage changes through MM365+, then send documentation of your life event to the HR Helpdesk.
If you are enrolled in the Health Savings Account (HSA), you can make changes to your HSA contributions at any time during the year as long as you don’t exceed the annual IRS limits.
If you don’t have a qualifying life event during the year, your only opportunities to enroll in or change benefits are as a new hire or during our annual Open Enrollment.