Benefits Enrollment Resources

Benefits Information for HR & People Leaders

Open Enrollment Period:
May 6–17, 2024

Benefits Plan Year:
July 1, 2024 - June 30, 2025

Prepare for the New Benefits Plan Year

What Team Members Can Do

Open enrollment for the 2024-2025 benefits plan year is May 6–17, 2024. During this annual open enrollment period, Team Members are encouraged to review their benefit options, coverage information, and rate changes taking effect with the new plan year starting July 1, 2024.

Team Members don’t have to do anything to keep their current coverage. However, they MUST complete enrollment to:

  • Change their current benefit elections
  • Add or remove covered dependents

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If you do not take action during the annual open enrollment period, your current benefit elections will continue at the new 2024-2024 rates for the 2024-2025 plan year, which begins on July 1, 2024 and ends on June 30, 2025.

You can only change your benefit elections outside the annual open enrollment period if you experience a qualifying life event. For more information about qualifying life events, please visit this link: Change in Status.

What Happens If Team Members Don't Take Action

If Team Members do not take action during the annual open enrollment period, their current benefit elections will continue at the new 2024-2025 rates for the 2024–2025 plan year.

Team Members can only change their benefit elections outside the annual open enrollment period if they experience a qualifying life event. For more information about Qualifying Life Event, please visit this link: Change in Status.

FSA & HSA Elections

Team Members will have the opportunity to make Flexible Spending Account (FSA) and/or Health Savings Account (HSA) elections in October 2024 for the 2025 calendar year. Outlined below are scenarios that might apply to Team Members.

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ScenarioFlexible Spending Account (FSA)HRA (part of Kaiser medical plan)Health Savings Account (HSA)
Enrolled in the PPO Plan and switch to the HDHP Choice HSA 7/1/2024Required to move from full FSA to Limited Purpose FSA if previously enrolled in full FSA (can't have HSA and full FSA).Cannot enroll.Can start contributing to HSA.
Enrolled in HDHP Choice HSA and switch to the PPO medical Plan 7/1/2024If enrolled in Limited Purpose FSA, have the option to switch to the full FSA but not required.Cannot enroll.Required to stop contributing to HSA.
Enrolled in PPO Plan and stay in this plan 7/1/2024If enrolled in Full FSA, will not be able to make changes to this plan until October 2024 for a 1/1/2025 effective date. If enrolled in Limited Purpose FSA already, will need to keep current election. They can then make changes to this plan in October 2024 for a 1/1/2025 effective date.Cannot enroll.Cannot enroll.
Enrolled in HDHP Choice HSA and stay in this plan 7/1/2024Can keep current Limited Purpose FSA, will not be able to make changes to this plan until October 2024 for 1/1/2025 effective date.Cannot enroll.Can change election amount anytime throughout the year. ER HSA contribution should continue as long as they are enrolled in Choice HSA Medical.
Enrolled in Kaiser and keep Kaiser medical plan 7/1/2024Enrolled in FSA plan, keep current enrollment. Will need to wait until October 2024 to elect for 1/1/2025. If not currently enrolled in FSA, they will need to wait until October 2024 to elect for 1/1/2025.HRA election will continue.Cannot enroll.
Enrolled in Kaiser HRA medical and moves to PPO Plan 7/1/2024Enrolled in FSA plan, keep current enrollment. Will need to wait until October 2024 to elect for 1/1/2025. If not currently enrolled in FSA, they will need to wait until October 2024 to elect it for 1/1/2025.HRA election will stop.Cannot enroll.
Enrolled in Kaiser HRA medical and moves to HDHP Choice HSA 7/1/2024Required to move from full FSA to Limited Purpose FSA if previously enrolled in full FSA (can't have HSA and full FSA).HRA election will stop.May start contributing to HSA.

Home Mailer Announcement

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What's New for 2024-2025

Slight Cost Increases

  • Health care costs continue to rise. We’re committed to providing you with high-quality services with a range of medical plans to fit your needs. This year, you’ll see changes to deductibles, out-of-pocket maximums, coinsurance, and copays for the BCBSTX Enhanced PPO and Choice HSA plan. You’ll also see varying increases to premiums on all medical plans. We continue to share the cost of health care for you and your family, with Michaels absorbing approximately 75-80% of the cost of coverage.
  • Wellness and tobacco surcharges will increase from $25 per paycheck to $30 per paycheck. Make sure Team Members and their covered spouse/domestic partner complete a preventive wellness exam between July 1, 2023, and June 30, 2024. They’ll avoid a $30 per paycheck surcharge per person on their medical premiums. If they are enrolled in a Michaels BCBSTX plan, they also have the option to use VirtualCheckup through Catapult Health.
  • Team Members can use the eValuate tool to choose the medical plan that makes the most sense for them and their families. The more Team Members know about the available choices, plans, and features, the easier it is to select and use their benefits wisely.

Prescription Drugs

New! For no additional cost, eligible Team Members can take advantage of the Specialty Drug Split-Fill program to try a partial quantity of a newly prescribed specialty drug before the full month’s supply is filled.

Hospital Indemnity

New! Eligible Team Members have the option to enroll in Voluntary Hospital Indemnity coverage that pays a direct cash benefit in the event of a hospital stay.

Pet Insurance

New! Eligible Team Members can enroll in Wishbone pet insurance. Premiums can be paid with a credit card.

Wellness & Tobacco Surcharges

Team Members can avoid surcharges and higher premiums for medical coverage by fulfilling the wellness exam requirement and qualifying as tobacco-free.

  • The wellness surcharge is $30 per person, per paycheck. To avoid this surcharge for 2024–2025 plan year, Team Members (and, if covered, their spouse/domestic partner) will want to make sure they complete an annual physical exam between July 1, 2023 and June 30, 2024. Team Members enrolled in a BCBSTX medical plan also have the option to complete their wellness exam requirement by using the VirtualHealth Checkup through Catapult Health, and there is no charge for this service.
  • The tobacco surcharge is $30 per person, per paycheck. To avoid this surcharge for the 2024–2025 plan year, Team Members (and, if covered, their spouse/domestic partner) must be tobacco-free for at least six months leading up to the date they enroll in benefits. Tobacco cessation programs are available to team members free of charge through any Michaels medical plan.

For more detailed information and instructions on how to ensure these surcharges don’t apply to them, Team Members can visit this link: Wellness Programs & Surcharges.

Open Enrollment Meetings & Webinars

All scheduled webinars and live meetings have passed.

Were you unable to attend a scheduled webinar or live meeting? Watch the recorded version below. Want to review the presentation document? Download the digital version below.

Unable to attend a scheduled webinar or live meeting? Watch the recorded version below. Want to review the presentation document? Download the digital version below.

Team Member Communications

For your reference, digital copies will be posted below of all communications sent to benefits-eligible Team Members regarding open enrollment for the 2024–2025 plan year.

  • Enrollment Emails: May 6 | May 10 | May 16 | May 17
  • Wellness Reminder Emails: March 21 | April 19 | May 20 | June 12
  • Leave of Absence (LOA) Letter: April 26
  • Table Tent for Store Display: April 19

Begin Enrollment

Log in to Workday

Open the Demo Video

Frequently Asked Questions (FAQs)

FAQs regarding open enrollment can be accessed below, available in English and Spanish.

Workday Job Aids

Know Where to Go for Answers

Call Team Member Services at 855-432-MIKE (6453), option 2, or submit a ticket through Knowledge Zone.

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.

Supportiv

Peer-to-Peer Support & Resource Tool
Start ChattingMore EAP Resources
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What is Supportiv?

Program Information & Resources

Through the Michaels Employee Assistance Program (EAP), you have 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.

Supportiv is an online tool that lets you talk through any mental health, emotional, or social struggles in small group chats with people who can relate. Discussions are anonymous and are guided and safeguarded in real time by professional facilitators. Supportiv is anonymous and available 24/7.

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Supportiv is for Everyone

Supportiv is offered through the Aetna Resources for Living Employee Assistance Program (EAP), which is available 24/7 to all Michaels Team Members and their household members. Services are free of charge and completely confidential.

Get Started with Supportiv

Supportiv is free to use at your convenience, there’s no need to enter any personal information, and you’ll be live chatting in about 30 seconds.

  1. Visit Supportiv and select the “Chat Now” button.
  2. Submit your question or challenge.
  3. Get matched with peers to chat with, and receive guidance and hyper-targeted recommendations from a professional facilitator.

In the event of an emergency, please call 911. Additional crisis and emergency resources can be found by visiting the following link: Emergency Resources.

Video Introduction

The video below offers a one-minute demonstration of how Supportiv works.

How to Use Supportiv & Your EAP

On-Demand Webinars

Below, Team Members can watch on-demand webinars from Supportiv.

From Burnout to Motivation

How to Advocate for What You Need

Mental, Emotional & Social Growth

Download the Presentation

401(k) Plan

Your Guide to the Michaels 401(k) Retirement Plan with Voya Financial

Confirm Your Mailing Address in Workday

Make sure your mailing address is up-to-date in Workday so that you don’t miss any upcoming mailings about the Voya 401(k) plan transition. You will receive a PIN in the mail that you’ll be required to have in order to register and access your Voya account.

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Saving for Your Retirement

Today, becoming financially prepared for your retirement is more important than ever. We partner with Voya Financial® to bring you an enhanced experience for the Michaels Stores, Inc. Employees 401(k) Plan, previously administered by Vanguard.

Account Access & Support

Visit the Plan website to enroll in the plan, make changes to your account, and obtain forms or information.

  • You will always need your PIN to speak with a Voya customer service associate about your account, to make a transaction, and/or to make automated transactions.
  • You can make automated transactions 24 hours a day.

Plan Overview

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Eligibility Requirements

  • Full-time team members who are 21 years of age and over are eligible to participate on their first day of employment.
  • Part-time team members who are 21 years of age and over are eligible to participate after they have completed 500 hours of service.

Contribution Limits

You may contribute up to 80% of your eligible compensation* on a pre-tax, Roth, or after-tax basis. Please note: your after-tax contribution may not exceed 10% of your eligible compensation and your total contribution may not exceed 80%. If you are age 50 or older in the calendar year and you have reached the IRS contribution limit, your contributions will “spillover” for additional catch-up contributions up to the annual IRS annual limit*.

Voluntary Rate Escalator

Increasing your contributions on a regular basis may help you reach your savings goals faster. The Contribution Rate Escalator can automatically increase your contributions on a schedule you select. You can choose the increase percentage and how often it takes effect. You can change the settings or turn off rate escalation at any time.

Employer Match

Michaels Stores will match 100% up to the first 3% plus 50% on the next 2% of your eligible compensation. This contribution is an employer matching contribution.

  • Please note that Michaels provides a true-up match in case you meet your IRS contribution early in the year.
  • Full-time team members are eligible for the match after completing three months of service.

Note: After-tax contributions are NOT eligible to receive the company match.

Vesting & Rollovers

Vesting

To be vested is to own the money in your account. You’re 100% vested in your own contributions, employer matching contributions, rollover contributions, and any investment earnings on those contributions.

Rollovers

Balances from eligible retirement savings plans, such as a previous employer’s plan, may be rolled into your Plan account. Consolidating multiple retirement accounts may make it easier to manage your savings because your money is all in one place. Go the Plan website to download a Rollover-in form.

Investment Options & Advice

Investment Options

The Plan offers a range of Target Date Funds and Individual Core Funds. You can elect to invest in any fund or combination of funds, your choices should be made in increments of 1% and the total equals 100%. You may change your investment options at any time.

Investment Advice

Investment advice is offered through Voya Retirement Advisors** (VRA), powered by Edelman Financial Engines®. With VRA, you can receive investment advice by speaking to a VRA Investment Advisor Representative, using Online Advice, or enrolling in Professional Management.

Automatic Account Rebalancing

The value of your funds may go up and down over time which can cause your asset allocation to change, that is, your percentage in stocks, bonds, and cash. This could affect your investment objectives and risk level. Automatic rebalancing can help to maintain your preferred asset allocation percentages.

You can set your account to automatically rebalance quarterly, semi-annually, annually or on a one-time basis. If you manually change your investment elections or move money from one fund to another, automatic rebalancing will stop, and you will need to reset it to continue to have your account rebalanced. You can start, stop, or change the frequency of automatic rebalancing at any time.

Conversions

This plan offers in-plan Roth conversion. However, you must call Voya to make this election.

For assistance with electing in-plan Roth conversion, call Voya at 833-39M-401K (833-396-4015). Voya customer service associates are available weekdays from 7 a.m. to 7 p.m. CT, except on stock market holidays. Spanish-speaking associates are also available.

Transition from Vanguard

For Team Members who had a 401(k) plan administered by Vanguard, your account details – including your investments, contribution elections, beneficiaries and loans – were automatically transitioned to Voya. You will have access to your historical plan information at vanguard.com for two (2) years following the transition: for assistance with this information, call Vanguard at 800‑523‑1188.

Voya 401(k) Trainings

All Team Members can access the Voya trainings regardless of their 401(k) participation status.

More Resources

Voya Retire App

Download the Voya Retire app to access a simplified version of the website.

Need Help?

If you need assistance, call Voya at 833-39M-401K (833-396-4015). Voya customer service associates are available weekdays from 7 a.m. to 7 p.m. CT, except on stock market holidays. Spanish-speaking associates are also available.

*Contributions are subject to annual IRS limits. Visit voyadelivers.com/IRSlimits for current limits.

**Advisory Services provided by Voya Retirement Advisors, LLC (VRA). VRA is a member of the Voya Financial (Voya) family of companies. For more information, please read the Voya Retirement Advisors Disclosure Statement, Advisory Services Agreement, and your plan’s Fact Sheet. These documents may be viewed online by accessing the advisory services link(s) through your plan’s website. You may also request these from a VRA Investment Advisor Representative by calling your plan’s information line. Financial Engines Advisors L.L.C. (FEA) acts as a sub advisor for Voya Retirement Advisors, LLC. Financial Engines Advisors L.L.C. (FEA) is a federally registered investment advisor. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant or if you need legal advice consult your lawyer. Future results are not guaranteed by VRA, FEA or any other party and past performance is no guarantee of future results. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All other marks are the exclusive property of their respective owners. FEA and Edelman Financial Engines, L.L.C. are not members of the Voya family of companies. ©2024 Edelman Financial Engines, LLC. Used with permission.
Nothing in this communication should be construed as constituting financial or tax advice. You are encouraged to consult with your personal financial planner and/or tax advisor.

Plan administrative services are provided by Voya Institutional Plan Services, LLC (VIPS). VIPS is a member of the Voya® family of companies.

This is a brief, non-technical description of certain provisions of the Plan. It is not intended to be a complete statement. If a description in this summary differs from the Plan documents, the Plan documents prevail. For additional information regarding the Plan, please refer to the Summary Plan Description (SPD).

Service Awards

Recognizing Team Members’ Years of Service

Service Award Program

The Service Award Program celebrates our incredible and creative Team Members across the business, recognizing anniversary milestones for Team Members’ years of service and awarding those who have spent a significant portion of their careers with Michaels. We value our Team Members’ continued commitment and contributions to Michaels – nothing we do would be possible without you.

Based on feedback from Team Members and in collaboration with leaders across the organization, this enhanced program replaces the prior service award program that was suspended in early 2020 during the COVID-19 pandemic.

Award Milestones

One-Year Anniversary

Team Members will receive a one-year anniversary certificate to celebrate this important milestone.

Five-Year Pins

Beginning at five years of service and every five years that follow, Team Members will receive a certificate of congratulations and an anniversary pin.

Anniversary Milestone Cash Awards

Upon achieving 20 years of service, Team Members will receive a cash award for their 20-year anniversary milestone and every five years that follow, according to the chart below. Please note that Team Members must be in an active status within Workday to receive the cash incentive.

Anniversary Milestone Cash Award
20 years $250
25 years $500
30 years, 35 years $1,000
40 years, 45 years $1,500
50 years $2,000

More than 750 cash awards were issued retroactively for active Team Members who achieved a milestone of 20 or more years of service on or after Jan. 1, 2020, and through Nov. 7, 2023.

Questions?

If you have a question regarding the Service Award Program, please either open a request with Human Resources in the Knowledge Zone or call 855-432-MIKE (6453) and select Option 2.

Website Change Request

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Request Changes to MIKBenefits

  • Contact Information
  • Your Request
Michaels Benefits Change Request Form

Contact Information

Add new requestor?

Select Your Name & Email

Add Your Information


Clear Form

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Benefits Orientation Video

Full-Time Team Members

Benefits Orientation Video

Part-Time Team Members

Document Library

For benefits effective July 1 to June 30
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Plan Year 2024-2025 Documents

This page houses information you may need as you use your benefits throughout the year. New and updated documents are posted regularly.

Required Legal Notices

Summaries of Benefits & Coverage (SBC)

Summary Plan Descriptions (SPD)

Short-Term Disability

Long-Term Disability

Blue Cross & Blue Shield of Texas (BCBSTX)

Kaiser

Open Enrollment

Important benefits information for HR and people leaders

Benefits Enrollment Is Closed

Benefits effective July 1, 2023 to June 30, 2024

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Make sure to Compare the Plans so you can choose the right coverage for you and your family. If you don’t enroll, you will not have coverage.

What's New for 2023–2024

  • Medical plan administration moving from Aetna to Blue Cross and Blue Shield of Texas (BCBSTX). For the Basic PPO, Enhanced PPO and Choice HSA plans, BCBSTX will take over administration as of July 1, 2023. Most of the current providers our Team Members are using will be in the BCBSTX network, but there could be some instances where that isn’t the case.
  • Prime Therapeutics replaces OptumRx as our pharmacy benefit manager. Anyone currently using home delivery for medications taken regularly will need to get a new prescription. Team Members will be able to receive one 30-day fill at a retail pharmacy before the mail order requirement applies.
  • Some fertility treatments will be covered by Michaels BCBSTX medical plans. Based on the diagnosis, our plans will now cover one cycle of fertility treatment and medications.
  • MDLive will replace Teladoc for 24/7 virtual health care services for Team Members enrolled in a BCBSTX medical plan. Look for more information soon about BCBSTX clinical programs and resources for support.
  • The premium surcharge for spouses/domestic partners with coverage available elsewhere will be eliminated. We will no longer charge Team Members extra for covering a spouse or domestic partner if that individual has coverage available from another employer’s plan. NOTE: Team Members covering a working spouse/domestic partner will still have to enroll in the Enhanced PPO.
  • Kaiser Telehealth replaces Teladoc. Team Members enrolled in a Kaiser medical plan (for California Team Members only) can access virtual care through kp.org/getcare.
  • Plan year change for FSA and HSA contributions. We are adjusting the plan year for Flexible Spending Account (FSA) contributions and Health Savings Account (HSA) contributions for Team Members enrolled in the Choice HSA Plan. IRS contribution limits for both plans are calendar/tax year limits, so we are changing our plans to have calendar year elections. During the May enrollment period, Team Members will make FSA and HSA elections covering the last six months of the year (July 1 to December 31, 2023). We will conduct another enrollment later in the year for just these two plans that will cover the 12-month period January 1 to December 31, 2024. Going forward, we will conduct a separate FSA/HSA enrollment for the upcoming calendar year.
  • The reporting period for qualified life event benefit changes is now 30 days. The amount of time Team Members have to report a qualified life event change (birth, marriage, divorce, etc.) is changing from 60 days to 30 days.

What Team Members Need to Do

We encourage Team Members to review your options and the changes taking effect July 1. They don’t have to enroll to keep their current coverage, but there are some exceptions. They must log in to Workday and actively enroll to:

  • Change current benefit elections
  • Add or drop covered dependents
  • Enroll in or continue participating in a Health Care or Dependent Care Flexible Spending Account (FSA) (the IRS requires a new election each year)
  • Begin saving or change Health Savings Account (HSA) contributions (the HSA is only available with the Choice HSA medical plan)

If Team Members take no action, their current benefit elections will continue at the new 2023–2024 rates, except for FSA and HSA participation. With the exception of FSAs and the HSA, our benefit plans will still have a July 1 to June 30 plan year.

REMEMBER!

Annual enrollment is Team Members’ opportunity to add new coverage or change their existing plans. Some of their current elections will carry over to the new plan year if they take no action, but we recommend they review their options, get to know what’s new and use their resources for learning more about the programs available to them.

They will only be able to change elections after May 17 if they have a qualified change in status such as a marriage or a new baby. 

Medical Premium Surcharges for Wellness and Tobacco

There are two ways Team Members can avoid paying more for medical coverage premiums for the upcoming plan year.

Complete the Wellness Requirement

If a Team Member, or a Team Member and spouse/domestic partner are enrolled in a Michaels medical plan, each needs to complete an annual physical between July 1, 2023, and June 30, 2024 to avoid paying a $25 per paycheck ($650 for the year) surcharge on medical premiums beginning in August 2023.

Be Tobacco-Free

If a Team Member and/or spouse/domestic partner uses tobacco, including e-cigarettes and non-nicotine vaporizers, $25 per paycheck ($650 for the year) will be added to medical premiums beginning in July. Team Members can’t use tobacco products for at least six months to be considered tobacco-free, and they can only change their tobacco status during Open Enrollment.

Open Enrollment Webinars

Date Time Meeting Link
Friday, May 5 10 a.m. Central Click here to join the May 5 meeting
Tuesday, May 9 2 p.m. Central Click here to join the May 9 meeting
Thursday, May 11 10 a.m. Central Click here to join the May 11 meeting

In-Person Open Enrollment Meetings: Royal Ridge Auditorium

Date Time
Wednesday, May 3 4 p.m. Central
Tuesday, May 16 11 a.m. Central

Which Medical Plan is Best for You?

The eValuate Health Plan Selector tool allows Team Members to estimate their medical and prescription costs during the year and determine which plan provides the level of care they prefer and at the most affordable price.

Team Member Communications

Wellness Email

Wellness requirements, sent March 17

Wellness Email

Wellness deadline, sent July 17

Wellness Email #2

Wellness requirements, sent April 19

Wellness Email

Wellness completion, sent July 17

Wellness Email #3

Wellness requirements, sent May 18

Wellness Email #4

Wellness requirements, sent June 19

Home Mailer

What’s new and key dates, sent April 18

Announcement Mailer - Spanish

Translation of English home mailer

Enrollment Guide

Details about plans and changes

Enrollment Guide - Spanish

Translation of 2023-2024 English enrollment guide

Table Tent

To be displayed in stores/DCs, shipped April 20

Store Letter

Sent with table tents to be displayed in stores/DCs, shipped April 20

LOA Letter

Sent to homes of Team Members currently out on leave of absence (LOA)

Leader Email

Info HR and people managers need, sent April 20

Enrollment Email

Dates and reminders, sent May 2

Open Enrollment Reminder Email

Dates and reminders, sent May 10

24/7 Virtual Access to Health Care

Company-Paid Telehealth Services through CirrusMD
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CirrusMD Virtual Health Care

You and members of your family* have access to a 100% company-paid virtual care platform, CirrusMD. When you have a medical question, you can reach a licensed provider through the CirrusMD app at any time, from anywhere, with no appointments or wait times.

There is no cost to access care through CirrusMD. You’ll only pay the cost for any prescription medications or care you receive from providers outside the CirrusMD platform.

*CirrusMD is available to all part time Michaels team members ages 18 and older and their immediate family members. An immediate family member is defined as your spouse, domestic partner, and/or dependent(s) under 26 years old.

Follow the CirrusMD Registration Guide to sign up for CirrusMD and get care for free when and where you need it.

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How It Works

When you have a medical question, you can reach a doctor through the CirrusMD app and get connected in less than a minute. Telehealth services are available 24 hours a day, seven days a week, 365 days a year.

Michaels part-time Team Members and family members* can consult with licensed medical provider from anywhere through the CirrusMD app.

Connect from home, work, or wherever life takes you. Get help with:

  • Urgent care (coughs, fevers, sore throat, stomach pain, diarrhea, rashes, allergic reactions, animal/insect bites, sports injuries)
  • Chronic care and prevention (diabetes, hypertension, asthma, acne, smoking cessation)
  • Women’s health (birth control, irregular bleeding, urinary tract infections, wellness)
  • Mental health (anxiety, depression, stress, insomnia)
  • Other general health questions
  • Questions about where to receive care

*Team Members and dependents must be at least 18 years of age to use the CirrusMD services.

Video Guides

HR Resources

For legal notices and summary plan descriptions, see Resources > Documents.

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Forms

  • Coming Soon!

Documents

  • Coming Soon!

FAQs

  • Coming Soon!