Long-Term Disability (LTD) Insurance
Paycheck Insurance for When You Can't WorkLong-Term Disability (LTD) Benefits
The Long-Term Disability (LTD) Insurance plan, administered by Matrix, provides income protection if you become disabled and cannot work due to an illness or injury that lasts for more than 90 days.
LTD Insurance Plan Highlight Sheets
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What the Plan Costs
Eligibility & Coverage
| Eligibility | Percent of Earnings Replaced | Maximum |
|---|---|---|
| Management & Salaried Team Members | ||
| All Full-Time U.S. Salaried Team Members are provided with LTD coverage at no cost. You are automatically enrolled once you become eligible. Pre-existing conditions are not covered under the LTD plan. | 60% of your weekly earnings. | Up to $7,500 per month. |
| Hourly Team Members | ||
| All full-time U.S. Hourly Team Members can buy Long-Term Disability (LTD) coverage. You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. If you don’t enroll when first eligible, you will need to provide Evidence of Insurability (EOI) to qualify for coverage. Your coverage will not be effective until approved by Reliance Standard. | 60% of your weekly earnings. | Up to $5,000 per month. |
Pre-Existing Condition Limitation
The LTD plan includes a pre-existing condition limitation. You qualify as having a pre-existing condition if both statements below are true:
- You received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines, or followed treatment recommendations in the three (3) months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available; or you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the three (3) months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available.
- Your disability begins within 12 months of your effective date of coverage.
Video Overview of Leave, Disability & Voluntary Benefits
Request Leave
Get Support
For assistance, contact Team Member Services at 855-432-MIKE (6453) and select option 2, available Monday through Friday from 8 a.m. to 5 p.m. CT. You can also open a Knowledge Zone support ticket.
File Your Claim(s) Online with Reliance Matrix
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
Important Note About Claims for Kaiser Members
Team Members who are enrolled in a Kaiser medical plan must complete an authorization release form in order to file a claim with Reliance Matrix.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
Resources
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact Information
Phone: 1-800-351-7500
Quick Links
Short-Term Disability (STD) Insurance
Income Protection for Unforeseen Illnesses & InjuriesShort-Term Disability (STD) Benefits
The Short-Term Disability (STD) Insurance plan, administered by Matrix, pays a weekly benefit if you can’t work due to a non-work-related health condition, illness, or injury.
The program provides up to 100% base pay replacement while on short-term disability leave to ensure that Team Members continue to receive income while they are not able to work due to an illness or medically-required absence.
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How the Plan Works
To receive short-term disability benefits, you must be unable to perform the essential duties of your job due to accidental injury, sickness, mental illness, or pregnancy.
After your waiting period of either 7 or 14 days, your disability benefits are paid based on your condition and physician statement.
There is no waiting period for maternity disability.
Eligibility & Coverage
| Eligibility | When STD Begins1 | Percent of Earnings2 Replaced | How Long Benefits Are Paid |
|---|---|---|---|
| Store, Distribution Center, Artistree Hourly Team Members3 | |||
| You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. | After 14 consecutive days of disability | 60% of your weekly earnings up to the $1,000 weekly maximum | Up to 11 weeks |
| Support Center Hourly Team Members3 | |||
| You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. | After 7 consecutive days of disability | 60% of your weekly earnings up to the $1,000 weekly maximum | Up to 12 weeks |
| Hourly Assistant Store Managers3 | |||
| You automatically will be enrolled once you become eligible. | After 7 consecutive days of disability | 60% of your weekly earnings up to the $1,000 weekly maximum | Up to 12 weeks |
| Salaried Team Members | |||
| You automatically will be enrolled once you become eligible. | After 7 consecutive days of disability | 100% of your weekly earnings | Up to 12 weeks |
| 1The STD benefit will be paid based on your duration of disability. Generally, the duration for maternity disability is up to 6 weeks following a normal delivery and up to 8 weeks following a C-section. The normal elimination period applies, beginning on the date the Team Member’s doctor reports the Team Member is disabled. There is no elimination period for maternity disability. 2This is your usual pay rate in effect when you first became disabled. It does not include bonuses, overtime pay, extra benefits or compensation. 3Hourly STD is not available in California, Connecticut, District of Columbia, New York, Rhode Island, Massachusetts, Washington, or New Jersey. Exempt Team Members are auto-enrolled in STD. |
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Pre-Existing Condition Limitation
The STD plan includes a pre-existing condition limitation. If you have a pre-existing condition, you may still be eligible for a reduced disability benefit. You qualify as having a pre-existing condition if both statements below are true:
- You received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines, or followed treatment recommendations in the three (3) months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available; or you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the three (3) months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available.
- Your disability begins within 12 months of your effective date of coverage.
Video Overview of Leave, Disability & Voluntary Benefits
Request Leave
Get Support
For assistance, contact Team Member Services at 855-432-MIKE (6453) and select option 2, available Monday through Friday from 8 a.m. to 5 p.m. CT. You can also open a Knowledge Zone support ticket.
File Your Claim(s) Online with Reliance Matrix
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
Important Note About Claims for Kaiser Members
Team Members who are enrolled in a Kaiser medical plan must complete an authorization release form in order to file a claim with Reliance Matrix.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
Resources
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact Information
Phone: 1-800-351-7500
Quick Links
Life and AD&D Insurance
Protection for Loved Ones in the Event of the UnexpectedJump to a section:
Life Insurance
Basic Life Insurance
All full-time Team Members, regardless of whether you enroll in a medical or dental plan, will receive Basic Life Insurance at no cost to you. Coverage amounts are outlined below.
Basic Life Insurance coverage amounts for you and your spouse/domestic partner reduce by 50% at age 70.
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Basic Life Coverage
| Coverage Tier | Benefit |
|---|---|
| You | $25,000 |
| Your Spouse/Domestic Partner | $2,000 |
| Your Child(ren) | $1,000 |
Voluntary Life Insurance
You can also opt to purchase Voluntary Life Insurance coverage for yourself, your spouse/domestic partner, and your children. Optional/Voluntary Life Insurance coverage amounts for you and your spouse/domestic partner reduce by 50% at age 70.
If you are newly eligible to enroll, you can elect coverage up to the Guarantee Issue amount without answering health questions. Otherwise, you’ll be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.
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Optional Life Coverage
| Coverage Tier | Benefit |
|---|---|
| You | Up to $700,000 (in $10,000 increments); Guarantee Issue: $500,000 |
| Your Spouse/Domestic Partner | $5,000 to $100,000 (in $5,000 increments); Guarantee Issue: $30,000 |
| Your Child(ren) | Up to $10,000 (in $1,000 increments) |
Biweekly Premium Cost
per $10,000 of Coverage |
per $5,000 of Coverage |
|
|---|---|---|
Life Insurance Claims
Reliance Matrix offers five simple ways for employees and beneficiaries to submit a Life Insurance claim or check the status of a claim.
AD&D Insurance
Basic AD&D Insurance
Voluntary AD&D Insurance
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Optional AD&D Coverage
| Coverage Tier | Benefit |
|---|---|
| You | 1x–8x your annual base pay (up to $700,000) |
| Your Spouse/Domestic Partner | $5,000–$100,000 (in $5,000 increments) |
| Your Child(ren) | $1,000–$10,000 (in $1,000 increments) |
Biweekly Premium Cost
Voluntary Accident Insurance
Voluntary Critical Illness Insurance
Voluntary Hospital Indemnity Insurance
Beneficiaries
Designate & Manage Your Beneficiaries
A beneficiary is an individual or entity that will receive all or a portion of the insurance proceeds that may become payable if you die.
You may designate one or more individuals, including a trust or your estate, as a beneficiary. If you designate more than one beneficiary, the proceeds are divided equally unless you indicate otherwise on your beneficiary designation. You can divide the proceeds based upon a percentage or fraction, as long as the total equals 100%.
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What information do I need to name my beneficiary?
You will need the beneficiary’s full first and last name, complete address and phone number, and relationship to you.
When can I change my beneficiary?
Generally, you may change your beneficiary at any time. Life events like marriage, divorce or the birth of a child, are often good times to assess your beneficiaries. Log in to Workday to update your beneficiaries.
What happens if I don't name a beneficiary?
In the event that 1) there is not a named beneficiary, 2) all of the named beneficiaries die before you, or 3) the beneficiary records are lost or destroyed, insurance is generally paid in the following order:
- Surviving spouse
- Surviving children in equal shares
- Surviving parents in equal shares
- Surviving siblings in equal shares
- The estate
Claims, Portability & Conversions
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
Important Note About Claims for Kaiser Members
Team Members who are enrolled in a Kaiser medical plan must complete an authorization release form in order to file a claim with Reliance Matrix.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
File Your Claim(s) Online with Reliance Matrix
Portability & Conversions
For assistance with Portability and Conversion, within 31 days of the date your coverage ends, contact Team Member Services at 855-432-MIKE (6453) and select Option 2.
Portability Request & Continuation Forms:
Conversion Forms:
Get Support
For assistance, contact Team Member Services at 855-432-MIKE (6453) and select option 2, available Monday through Friday from 8 a.m. to 5 p.m. CT. You can also open a Knowledge Zone support ticket.
Provider
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact Information
Phone: 1-800-351-7500
Quick Links
Michaels Benefits
Locate Benefits Information Using the Menu AboveEmployee Assistance Program (EAP)
Aetna Resources for Living EAP
Supporting Your Mental & Emotional Well-Being
At Michaels, we care about your mental health as much as we care about your physical health. The Aetna Resources for Living Employee Assistance Program (EAP) is a free, confidential resource available for you and your family — even if you’re not enrolled in any Michaels benefit plans.
The EAP can help you:
- Manage stress, money worries, and family worries.
- Deal with work and life services, like child care, elder care, and education.
- Locate resources for adoption, relocation, volunteer opportunities, camps, pets, and more.
-
Get support for your emotional well-being.
EAP Resources for Spanish Speakers
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Care Kits
The EAP offers free Care Kits to help you through life’s important stages, including:
- Pregnancy Care Kit
- New Baby Care Kit
- Child Safety Care Kit
- Active Adult Care Kit
- Elder Care Kit
Counseling Services & Mental Health Resources
- Mental Health Support Team
- Mental Social Well-Being
- Daily Mental Health Habits
- Steps to Improve Mental Health
The EAP includes counseling services for all Michaels Team Members:
- Full-time Team Members are eligible to receive up to three (3) face-to-face or televideo counseling sessions per issue at no charge.
- Part-time Team Members are not eligibile for face-to-face counseling sessions, but are eligible to receive confidential counseling by phone at any time.
You can call 24 hours a day for in-the-moment emotional well-being support. Services are free and confidential, and can help with a wide range of issues, including:
- Anxiety
- Relationship support
- Depression
- Stress management
- Work/life balance
- Family issues
- Grief and loss
- Self-esteem and personal development
- Substance misuse and more
Financial Constitution Resources
Sometimes a little help can go a long way. You can get a free 30-minute consultation for each issue you’d like to ask about, from creating a budget to setting long-term goals.
To get started, either call 1-800-283-5645 (TTY 711) or visit resourcesforliving.com (Username: Michaels / Access Code: 8002835645)
Learn More: Program Overview
Supportiv: A Peer Support Service For All Team Members
Michaels offers all Team Members unlimited access to Supportiv, an online peer support service that can help you cope with stress, work, family issues, loneliness, anxiety, parenting, motivation, and more. Your immediate family members above the age of 13 can also use Supportiv. For more information, follow the link below.
How to Use Supportiv & Your EAP
Helpful Resources
New Member Website Introduction
Learn More & Access Resources
For more information and to access EAP resources, log in to the Resources for Living member portal using the information below, or call 1-800-283-5645 (TTY 711).
Username: Michaels
Access Code: 8002835645
Provider
Aetna
Resources for Living Employee Assistance Program (EAP)
Flexible Spending Accounts (FSAs)
What is an FSA?
A flexible spending account (FSA), administered by Health Equity, allows you to set aside tax-free money to help pay for eligible out-of-pocket expenses.
- There are three types of FSAs that you can choose from: Standard FSA, Limited Purpose FSA (LPFSA), and Dependent Care FSA (DCFSA).
- After you enroll in your FSA, you will receive debit card to use when paying for eligible expenses. Your FSA funds, which are determined by how much you choose to contribute, are immediately available once deducted from your paycheck.
- Your FSA paycheck deductions are tax-free, which helps reduce your taxable income.
This page provides information about choosing and managing your FSA, identifying eligible expenses, and how to file claims for reimbursement. More FSA resources can be accessed at HealthEquity.com.
FSA-Eligible Expenses
To help you determine what you can pay for with your FSA, you can search a list of eligible expenses and use the store locator to find merchants that offer FSA-eligible items.
Keep a copy of your receipts! Health Equity has a couple of ways that they verify FSA card transactions: some do not require a receipt for substantiation, while other times a receipt is required.
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When You Don't Need a Receipt
- IIAS store or pharmacy purchases (the IIAS is a required approval system the IRS requires to list all merchants who sell goods that have FSA-eligible items; find more information at seg-is.org)
- Prescription or eligible over-the-counter (OTC) purchases
- Co-payments
- Flat co-payment amounts at a doctor, dentist, vision provider, or hospital where said flat co-pays were provided
- Recurring transactions
- Payment made at the same location and for the same dollar amount as a prior payment for which the receipt was already approved by Health Equity at least once
When a Receipt is Required
- Doctor’s office, hospital, dentist, or vision provider where the health plan has a deductible or coinsurance amount
- Co-insurance and deductibles (assuming carrier files, if applicable, are unable to exactly substantiate the expense)
- Purchases at 90% pharmacies
- An odd dollar amount that does not match one of the flat co-pay amounts provided
Helpful Resources
Provider
Health Equity
Flexible Spending Accounts (FSA) & Health Savings Account (HSA)
Contact Information
HSA: 866-346-5800
FSA: 1-877-924-3967
Quick Links
Filing Claims for Reimbursement
Claims for reimbursement for FSA-eligible expenses can be filed online, via fax, or via US mail. Claims will be processed within two (2) business days after receipt. To check the status of your claim, log in to your account.
File Claims Online
For faster service, file your claim online. Simply log in to your account to submit your claim electronically and upload any required documentation.
File Claims via Fax or US Mail
Claims can be submitted via fax or US mail. First, download and fill out the Reimbursement Claim Form. Then, print and send the completed form and any required documentation as follows:
- Fax: 877-353-9236
- US Mail: CLAIMS ADMINISTRATOR, P.O. Box 14053, Lexington, KY, 40512
Types of FSAs: Comparing Your Options
Use the information below to help you decide which type of FSA is right for you. Health Equity also offers guides for Comparing FSA Options and Things to Know About the FSA.
Note: If you are enrolled in an HSA medical plan, you cannot have “double coverage” for medical and prescription drug expenses by having both an HSA and a standard FSA. You can, however, use the Limited Purpose FSA (LPFSA) for dental and vision expenses.
FSA
The standard FSA can be used to pay for eligible medical, prescription drug, dental, and vision expenses not covered by your insurance.*
*HSA plan members are not eligible for the standard FSA.
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How it Works
How much can I contribute?
- $100 minimum
- $3,300 maximum
How do I access and use the FSA money?
You will receive a debit card to use for eligible expenses. Funds are immediately available.
Who can use the FSA money?
If you are enrolled in the Basic PPO Plan or Enhanced PPO Plan, or even if you don’t elect Michaels medical coverage, you can use the money to pay for eligible medical, prescription drug, dental, and vision expenses that your health care plans don’t cover.
This applies to:
- Yourself
- Any dependents you claim on your federal tax return
- Your children under age 26, even if they are not covered by a Michaels benefit plan
Under IRS rules, expenses for domestic partners cannot be paid from an FSA.
Dates & Deadlines
- You can incur expenses until Dec. 31 of the plan year.
- You have until March 31 after the plan year ends to submit your reimbursement claims for expenses.
Limited Purpose FSA
The Limited Purpose FSA (LPFSA) can be used to pay for dental and vision expenses, but cannot be used to pay for other health care expenses.
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How it Works
How much can I contribute?
- $100 minimum
- $3,300 maximum
How do I access and use the LPFSA money?
You will receive a debit card to use for eligible expenses. Funds are immediately available.
Who can use the LPFSA money?
If you are enrolled in the Michaels Choice HSA medical plan, you may use the Limited Purpose FSA to pay for dental and vision expenses only, and use your HSA to pay for eligible medical and prescription drug expenses.
You can use the money to pay for eligible dental and vision care expenses that your dental and vision plans don’t cover.
This applies to:
- Yourself
- Any dependents you claim on your federal tax return
- Your children under age 26, even if they are not covered by a Michaels benefit plan
Under IRS rules, expenses for domestic partners cannot be paid from an LPFSA.
Dates & Deadlines
- You can incur expenses until Dec. 31 of the plan year.
- You have until March 31 after the plan year ends to submit your reimbursement claims for expenses.
Dependent Care FSA
The Dependent Care FSA (DCFSA) can be used to pay for expenses for your dependents, such as day care, before and after school care, and summer day camp.
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How it Works
How much can I contribute?
- $100 minimum
- $5,000 maximum (or $2,500 maximum if married but filing separately from your spouse)
How do I access and use the DCFSA money?
You submit claims for reimbursements. Funds are available after contributions to the account have been made.
How can I use the DCFSA money?
You can use the DCFSA to get reimbursed for dependent care expenses incurred, allowing you and your spouse to work.
This includes:
- Nursery schools
- Licensed day care centers (including adult day care facilities and centers for disabled dependents)
- In-home day care providers
- Before- and after-school care (if not already included in tuition)
- Summer day camp, but not overnight camp
Who can use the money?
You can use the money to pay for eligible dependent care expenses for:
- Children under age 13 you claim on your federal tax return as dependents (or for whom you are the custodial parent if divorced, regardless of who claims the tax exemption).
- A spouse or dependent who is physically or mentally incapable of self-care and lives in your home for more than half the year.
Under IRS rules, expenses for domestic partners cannot be paid from a DCFSA.
Dates & Deadlines
- You lose any remaining funds in your account as of Dec. 31 of the plan year.
- You have until March 31 after the plan year ends to submit your reimbursement claims for expenses.
eValuate
Pick the Plan that's Best for YoueValuate Health Plan Selector
eValuate is a free resource to help full-time Team Members choose the best medical plan for their needs.
Let the eValuate Health Plan Selector help you decide which medical plan makes the most financial sense for you and your family. Just answer a few questions and eValuate will calculate the tax savings you can expect on premiums and Health Care FSA contributions for each medical plan. Then you’ll get a summary highlighting which option works best for you.
eValuate doesn’t store any of your personal information, or share it with Michaels or anyone else – it’s totally private and confidential.
You can access and utilize eValuate 24/7 from any smartphone, tablet, or computer.
Open the eValuate Health Plan Selector
Choosing & Using Your HSA or HRA
Pay for Eligible Health Care Expenses Tax-FreeChoosing an HSA or HRA
To help you pay for eligible in-network health care expenses, Michaels contributes to either a Health Savings Account (HSA) if you enroll in the Select HSA plan, or a Health Reimbursement Account (HRA) if you enroll in the Kaiser HRA plan.
The two types of accounts work differently: follow the links for a closer look at each account in order to help you choose.
Health Savings Account (HSA)
Health Reimbursement Account (HRA)
Vision Coverage
Get the Most Out of Your Vision BenefitsNeed glasses or contacts? The EyeMed Vision Plan can help.
EyeMed Vision Plan
Summary of Benefits
Member Perks
EyeMed members save an average 71% off retail pricing using their EyeMed benefits.
You can see who you want, when you want, within the EyeMed Access Network. You’ll have thousands of providers to choose from, including independent eye doctors, your favorite retail stores, and even online options.
Use your EyeMed benefits to shop at your favorite in-network, online eyewear stores, like LensCrafters, Target Optical, Ray-Ban, and ContactsDirect. No paperwork? No problem. All you’ll need is a valid prescription.
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What the Plan Covers
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Tap or click the content below and scroll to access all the information.
| Benefit | In-Network (What You Pay) | Out-of-Network (What the EyeMed Vision Plan Pays Up To) |
|---|---|---|
| Annual Exams (Once every 12 months) | $15 copay | $40 |
| LASIK/PRK Procedures | You receive a 15% discount on usual and customary fees at LCA-Vision locations or a 5% discount on promotional pricing, whichever is greater | You receive a 15% discount on usual and customary fees at LCA-Vision locations or a 5% discount on promotional pricing, whichever is greater |
| Glasses1 | ||
| Single Vision Lenses | $20 copay | $25 |
| Bifocal Lenses | $20 copay | $40 |
| Trifocal Lenses | $20 copay | $65 |
| Standard Progresive Lenses | $20 copay | $55 |
| Premium Progresive Lenses | $20 copay, then anything over $120 you receive a 20% discount | $65 |
| Lens Options | ||
| UV Treatment, Tint (Solid and Gradient), Standard Plastic Scratch Coating | $0 | $8 |
| Standard Polycarbonate — Adults and kids under 19 | $0 | $20 |
| Standard Anti-Reflective Coating | $45 copay | N/A |
| Polarized | 20% off retail price | N/A |
| Other Add-Ons | 20% off retail price | N/A |
| Frames1 | $0 Copay; $130 Allowance (you receive a 20% discount on amount over $130) | $65 |
| Conventional and Disposable Contact Lenses1 | $0 Copay; $130 Allowance (you receive a 20% discount on amount over $130) | $104 |
| Medically Necessary | $0 | $200 |
| Contacts – Fittings | ||
| Standard | $0 | $40 |
| Premium | $0 Copay; $55 Allowance (you receive a 20% discount on amount over $55) | $40 |
| 1Lenses or contacts once every 12 months. Frames once every 12 months. | ||
What the Plan Costs (Biweekly)
You – $3.30
You + Spouse/Domestic Partner 1 – $6.24
You + Child(ren) – $6.60
You + Family – $8.62
1. By law, the cost for domestic partner benefits cannot be paid pre-tax, and the “value” of Team Member and employer-provided domestic partner contributions is taxable.
Member How-To Videos
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Get the EyeMed App
Find an Eye Doctor
Manage Your Dependents
Print an ID Card
See What's Covered
Set up an EyeMed Account
Helpful Resources
Children's Eye Health
Activities for Kids
Use the links below to download and print self-guided activities from EyeMed to help your child(ren) understand eye anatomy.
Provider
EyeMed
Vision Coverage
Contact Information
General Inquiries: 866-723-0596
LASIK: 1-800-988-4221
Quick Links
Dental Coverage
Keep Your Pearly Whites Bright with Dental CoverageDental Plan Options
Michaels offers you two dental plans administered by Cigna; the Cigna PPO and the Cigna DHMO.
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PPO vs. DHMO
Cigna PPO
- The Cigna PPO plan allows you to see any dentist in-network or out-of-network, but there is a limit to how much the plan pays for some covered services. You’ll save money when you use a provider in the Cigna Dental network.
- Visit my.cigna.com to find a network dentist near you.
Cigna DHMO
- With the Cigna DHMO plan, you choose a primary care dentist who directs your care. All services are paid on a copay basis according to the Patient Charge Schedule (PCS).
- The PCS for the 2025-2026 plan year is available in English and Spanish.
- For the 2024-2025 plan year, follow this link to access the PCS.
- There are fewer dentists in the Cigna DHMO network than there are in the Cigna PPO network.
- There is no out-of-network coverage with the DHMO plan.
- Visit my.cigna.com to check whether your dentist is in the Cigna DHMO network. If they are not, you will need to choose a new dentist in the Cigna DHMO network.
What You Pay When You Receive Care
| Cigna PPO | Cigna DHMO |
| $0 (in-network only) | $0 |
| Individual: $50 Family: $100 |
None |
| 20% after deductible | You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan. |
| 50% after deductible | You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan. |
| 50%, no deductible | You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan. |
| $1,800 per person | None |
1. Out-of-network preventive care is covered 100% up to reasonable and customary amounts.
2. Separate $1,800 lifetime oral surgery maximum.
3. Separate $2,000 lifetime orthodontic maximum.
What the Plans Cost
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Tap or click the content below and scroll to access all the information.
| Cigna PPO | Cigna DHMO | |
|---|---|---|
| Employee | $15.50 | $5.99 |
| Employee + Spouse/DP1 | $35.42 | $10.92 |
| Employee + Child(ren) | $33.21 | $11.19 |
| Employee + Family | $56.46 | $17.48 |
1By law, if a domestic partner does not qualify as a tax dependent, the cost for their benefits cannot be paid pre-tax, and the “value” of Team Member and employer-provided domestic partner contributions is taxable.
| Cigna PPO | Cigna DHMO | |
|---|---|---|
| You | ||
| Biweekly | $15 | $5.77 |
| Annually | $390 | $150.02 |
| You + Spouse/Domestic Partner1 | ||
| Biweekly | $34.27 | $10.54 |
| Annually | $891.02 | $274.04 |
| You + Child(ren) | ||
| Biweekly | $32.13 | $10.80 |
| Annually | $835.38 | $280.80 |
| You + Family | ||
| Biweekly | $54.62 | $16.86 |
| Annually | $1,420.12 | $438.36 |
| 1By law, if a domestic partner does not qualify as a tax dependent, the cost for their benefits cannot be paid pre-tax, and the "value" of Team Member and employer-provided domestic partner contributions is taxable. | ||
myCigna
You will manage your account and your dental card digitally via myCigna. Please note that Cigna does not issue physical dental cards.
To get started, register in myCigna to create your account. You will need one of the following in order to set up your account: Social Security Number, Cigna Healthcare ID number, or Medicare number. There’s also a myCigna app available to download.
Then, use myCigna to:
- View, print and send ID cards
- Find in-network doctors, hospitals, and medical services
- Compare quality of care information, including patient reviews from customers
- Manage and track claims
- See cost estimates for medical procedures
- Chat with a live Cigna Healthcare rep
Cigna DHMO Plan Resources
Helpful Links
Provider
