Page 3 - Nothern Packaging Benefits Guide
P. 3
Your Plan Information
Term Definition Northern Packaging
The time of year when your insurance rates
Effective Date are released and your coverage becomes April 1
active
Period of time when employees may make
Open Enrollment March
changes to their elected benefit options
Period of time which must pass before your
Waiting Period 90 days following date of hire
health care coverage can begin
Ensure your doctor participates in the
HAP Michigan Network Search Your Doctor HERE
network before seeking care
HAP Cigna Network Out of state employee’s health network Search Your Doctor HERE
Be sure to use the correct EPO or HMO
HAP Applications & Waiver Download HERE
Application
EPO $5,500 SBC, HMO $5,500 SBC,
HAP SBC’s Summary of Benefits and Coverage
EPO $4,000 SBC
Full Principal Summary, App, & Download HERE
Waiver
GAP Summary & Application Your GAP benefit & instructions for use Download HERE
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