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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| 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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| 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
Leave of Absence (LOA)
Types of Leave & How to Request LeaveRequesting Leave
Michaels offers Leave of Absence (LOA) as well as Paid Time Off (PTO). To learn about the types of leave and PTO available to you and when/how to apply, refer to the resources on this page. If you need further guidance, contact Team Member Services.
PTO vs. Leave
Paid Time Off (PTO)
- Paid Time Off (PTO) includes vacation time, personal time, and sick time. For more detailed information and to read the Michaels PTO policies, visit this link: Paid Time Off (PTO).
Leave of Absence (LOA)
- You must request a Leave of Absence (LOA) if you are going to be absent from work for more than five (5) consecutive working days due to a personal, medical, or other reason. Read the Michaels Leave of Absence (LOA) Guide for more detailed information.
- You cannot apply for a leave more than 30 days in advance.
- To apply for LOA, call Reliance Matrix at 1-888-288-1354. You will be asked to provide your personal or job-related illness or injury, along with your medical provider information.
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Paid Parental Leave (PPL)
All full-time exempt Team Members are eligible for Paid Parental Leave (PPL) to support families after the birth, adoption, surrogacy, or legal placement of a child.
The PPL policy, linked below, covers birthing mothers and all eligible non-birthing parents, including dads and domestic partners.
Short-Term & Long-Term Disability (STD & LTD)
To receive Short-Term Disability (STD) benefits, you must be unable to perform the essential duties of your job due to accidental injury, sickness, mental illness, or pregnancy. Long-Term Disability (LTD) provides income protection if you become disabled and cannot work due to an illness or injury that lasts for more than 90 days.
Important: Leave and Disability claims are approved separately by Matrix. If your LOA claim is approved, this does not automatically mean that your STD/LTD claim has been approved.
Video Overview of Leave, Disability & Voluntary Benefits
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 Events & Updating Your Benefits
Changes in Status Due to Qualifying Life EventsUpdating Your Benefits After Life Events
Generally, you are only allowed to update your benefit elections when you first become eligible and during the annual open enrollment period. Life happens, however, and sometimes you will need to make changes to your benefits by requesting a change in status.
What Qualifies as a Life Event?
The life events listed below are considered qualifying life events.
- Change in employment status, such as part-time to full-time Team Member (31 days to enroll)
- Death of a family member
- Birth/adoption of child
- Marriage
- Divorce/legal separation
- Gain/loss of other coverage for you or a dependent
- Beginning/end of domestic partnership relationship
- Dependent care change in status
How to Request a Change in Status
If you experience a qualifying life event as defined on this page, you will have 30 days following the date of the life event to make changes to your benefit elections, and this change in status must be consistent with the life event.
To request changes to your benefits outside of the open enrollment period due to a qualifying life event, you must log in to Workday and complete the Qualifying Life Event Form within 30 days of the life event to avoid paying retroactive premiums.
Some documentation may be required with your request. Acceptable forms of documentation may be a marriage certificate, divorce decree, benefit confirmation statement with dates, employer letter with dates, etc.
Dependent Verification Audit
If you are adding a dependent to your medical and/or dental coverage, our third-party vendor, Consova, will contact you directly to conduct a dependent eligibility audit. This audit must be completed in order for your dependent(s) to be verified as eligible for the Michaels plan(s).
For more information about dependent eligibility requirements, visit this link: Eligibility.
Helpful Resources
Grief Counseling Resources for Navigating the Loss of a Loved One
Pregnancy & Adoption Resources
Employment Status Change
If your employment status is changing from part-time to full-time, or from full-time to part-time, you’ll have different Michaels benefit options. Follow the link below for more detailed information about this life event.
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.
How to Enroll
Your Guide for Completing Online EnrollmentBenefits Enrollment Guide
This enrollment overview is meant to point you in the direction of how to use this website to locate detailed information about your benefit options, how to enroll in coverage, and the many resources and programs available to you.
If you prefer to review your benefit options all in one place, you can use the links below to download a print-friendly PDF version of the Benefits Enrollment Guide, available in English and Spanish.
Choose Wisely — No Changes After Enrolling!
Changes to your benefit elections are only allowed outside of the open enrollment period if you have a qualifying life event, such as a birth, adoption, marriage, or divorce. Changes in status must be made within 30 days of the qualifying life event. For more information, follow this link: Change in Status.
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Determine Who is Eligible
Make sure you know who you can cover under your Michaels benefits by reviewing the eligibility requirements.
- Most plans provide coverage for eligible dependents; if you need to cover family members, you can determine who is eligible.
- Remember, your spouse or domestic partner cannot be covered by a Michaels medical plan if full-time medical coverage is available through his/her employer.
To learn more, use the navigation menu to go to Benefits > Eligibility & Enrolling > Eligibility.
Compare the Plan Options
Make sure to compare all available benefit plans so that you can choose the right coverage for you and your family. Remember, if you don’t enroll, you will not have coverage.
In addition, full-time Team Members can use the free eValuate tool for guidance when choosing a medical plan.
To learn more, use the navigation menu to go to Benefits and locate the benefit information you are seeking.
Consider Life Insurance & Name Your Beneficiaries
Determine how much Life Insurance coverage you need to protect yourself and those you love. Your beneficiaries are managed in Workday, and you can change your designation at any time.
To learn more, use the navigation menu to go to Benefits > Financial Security > Life & AD&D Insurance.
Consider Disability Coverage
Disability coverage is an important benefit that ensures you will receive a portion of your paycheck in the event that you are unable to work due to illness or injury.
- Salaried Team Members, when eligible, are automatically enrolled in Disability coverage.
- If you’re an hourly Team Member, you can decide whether you need Disability coverage.
- Short-Term Disability (STD) coverage is not available in California, New Jersey, New York, Rhode Island, or Washington.
To learn more, use the navigation menu to go to Benefits > Leave of Absence (LOA).
Add up FSA Savings
You may want to take advantage of the tax-savings of one or more Flexible Spending Accounts (FSAs). If you want to have a flexible spending account (FSA), you must enroll each year. Your FSA elections from the previous year will not roll over.
To learn more, use the navigation menu to go to Benefits > Health & Wellness > Flexible Spending Accounts (FSAs).
Review & Elect Voluntary Benefits
You can enroll in voluntary benefits such as Optional Life and AD&D for you and your dependent(s), Accident Insurance, Critical Illness Insurance, and Pet Health Insurance.
To learn more, use the navigation menu to go to Benefits > Financial Security.
Save on Wellness & Tobacco Surcharges
You can avoid surcharges and higher premiums for medical coverage by fulfilling the wellness exam requirement and qualifying as tobacco-free.
To learn more, use the navigation menu to go to Benefits > Health & Wellness > Wellness Programs & Surcharges.
Reminder for New Hires: Your Michaels coverage begins on the first day of the month, after you complete 30 days of service, when you enroll within 30 days of your date of hire. Visit the New Hire Hub to determine your enrollment deadline and benefits effective date.
Begin Enrollment
Log in to Workday
Benefits at a Glance
Know Where to Go for Answers
Call Team Member Services at 855-432-MIKE (6453), option 2, or submit a ticket through the Knowledge Zone.
Michaels Benefits
Locate Benefits Information Using the Menu AboveMichaels Benefits
Locate Benefits Information Using the Menu AboveEligibility
Eligibility Requirements for Full-Time Team Members & DependentsWho You Can Enroll
You can enroll yourself and your dependent(s) in most benefit plans, but in order to do so, you and your dependent(s) must meet the eligibility requirements. Please note that Michaels conducts an eligibility review of enrolled dependents and you will be required to provide further documentation.
Your Eligibility
If you’re a full-time Team Member – If you’re a full-time Team Member working an average of 30 hours or more per week, your eligibility begins on the first day of the month following 30 days of employment.
If you change from part-time to full-time – Your eligibility begins on the first day of the month following the status change, as long as you have completed 30 days of service.
If you change from part-time to full-time on June 10, you are eligible for coverage on July 1, if you have already completed 30 days of service as a part-time Team Member.
Dependent Eligibility
You may also enroll eligible dependents. Refer to the information below for more information.
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Your Legal Spouse
A spouse may not enroll in a Michaels medical plan if they have other full-time coverage available through their employer, unless they are enrolled in the Enhanced PPO plan.
A spouse who is retired, self-employed, or on Medicaid/Medicare is eligible for ALL Michaels medical plans.
Domestic Partner/Domestic Partner Children
A domestic partner may not enroll in a Michaels medical plan if they have other full-time coverage available through their employer, unless they are enrolled in the Enhanced PPO plan.
A domestic partner who is retired, self-employed or on Medicaid/Medicare is eligible for ALL Michaels medical plans.
For more information, please refer to the information below.
Important Notes:
- You are required to pay taxes on the value of domestic partner benefits.
- Your domestic partner’s child(ren) can only be enrolled if your domestic partner is also enrolled in Michaels benefits.
Children of Any Age who are Physically or Mentally Unable to Care for Themselves
You may be asked to provide proof of your child’s disability.
Children Under 26 Years of Age
Coverage is available for children under 26 years of age if they are your natural children, stepchildren, legally adopted children, foster children, or children for whom you have legal custody or court-appointed guardianship.
Dependent Eligibility Verificaiton
You will receive instructions from Consova, Michaels third-party partner, on how to verify your dependents’ eligibility to participate in our plans. As part of the verification process, you will be asked to provide documentation for your new dependent, such as a birth certificate, court order, or marriage license.
Next Step: