2023  My Choice Rewards Benefits Guides

·      General Edition Henry Ford Health Employees and Physicians

·      Henry Ford Optimeyes


 2023 Benefits Information

·         Highlights Document

·         Henry Ford Health Spending Account or Savings Account - Which is best for you?

·         Henry Ford Health Employee HAP Health Plan Options

·         Thrive Rewards

Quick Link to Enroll for Benefits

Other Helpful Links:





























Henry Ford Health takes pride in offering a rich benefits package with increasing flexibility to accommodate our diverse workforce.  Benefit plan design and employee cost-share arrangements ensure the System’s competitiveness and allows Henry Ford Health to continue to attract, retain and engage the best talent while accommodating the changing needs of an evolving workforce.

Key Information

Open enrollment begins Monday, Nov. 7 – Monday, Nov. 21.


Henry Ford Health employees should review their 2022 benefits even if they don’t plan to make changes. Here’s why:

·       If you want to participate in the Health Savings Account (HSA) and/or Flexible Spending Accounts (FSAs) in 2023, you must re-enroll.

·       If you cover your spouse on a Henry Ford Health medical plan, you must complete an online Spouse Verification Form every year or you will be assessed a surcharge.  A spouse surcharge of $46.15 pre-tax per pay period will be assessed if you cover a spouse on your Henry Ford Health medical plan who also has the option to receive medical coverage through a non-Henry Ford Health employer.


What’s new in 2023

·       Employee Contributions for Medical Options will increase for 2023

·       Slight Increase in the HAP standalone vision contributions

·       No increases for dental, accidental death and dismemberment insurance, disability insurance or voluntary benefits

·       Enhancements to the CDHP Comprehensive HFHS Preferred Plan and Tier 1 of the HFHS Advantage Tiered Access Plan

o     Introducing care concierge service

o     Various copays are decreasing

o     Out of pocket maximums decreasing

·       Deductibles increasing for most HAP Medical plans

·       The flexible spending account (FSA) limit for health care will increase to $3,050

·       The health savings account (HSA) limits will increase to $3,850 individual / $7,750 family

·       CTO Sellback still available (non-exempt/hourly team members)

·       Pharmacy Change

o     4th fill of medication taken consistently will have to be filled at a Henry ford pharmacy or through Pharmacy Advantage (HAP plans only)


Virtual Care


Telemedicine and virtual care

With telemedicine and virtual care, you have access to:

·       On-demand, cost-effective visits with health care professionals by phone or video conference – 24 hours a day, 7 days a week, from the convenience of your home

·       Affordable, quality care for non-urgent conditions like sinus infections, sore throats, ear infections

To schedule a video visit through MyChart, click here


TytoCare device brings the doctor to you

For those times when you or a loved one is too sick to visit the doctor’s office, the Henry Ford Virtual Exam Kit, powered by TytoCare, brings a Henry Ford doctor to you 24/7 during a video visit. One device per household is all you need. Purchase a device now for $199 and get a $50 Amazon gift card once you complete set up. This brings the cost down to only $149. For information or to order, go to HenryFord.com/Tyto.


Voluntary Benefits

Voluntary benefits work in tandem with your primary medical insurance, giving you affordable access to valuable protection and financial support.

·       Hospital indemnity can offset the cost of a hospital stay.  When a covered member is hospitalized due to an accident or illness, you’ll receive a tax-free lump-sum cash benefit that you can use to cover medical bills and everyday expenses (e.g. mortgage payments, groceries, utilities).

·       Critical illness insurance pays you a tax-free lump-sum cash benefit if you are diagnosed with a covered illness or condition.  You can use the cash to cover medical bills and everyday expenses.  With this coverage, you’ll also be eligible to receive an annual wellness benefit of $50 when you complete a preventive health screening test, such as a mammogram, colonoscopy, pap smear, stress test or certain blood work.  Your covered spouse and children will also be eligible to receive a wellness benefit.

·       Accident insurance pays you money, tax-free, for medical treatment received as the result of a covered accident.  If you become injured, you’ll receive tax-free payments that provide an added layer of financial protection for costs that may not be covered by your primary medical insurance.

·       Group legal benefits give you affordable access to attorneys who can help with a variety of legal life events during these uncertain times – from will and estate planning to debt issues and more.

·       Identity theft protection offers tools to monitor and identify threats while protecting your credit and privacy.  This is especially helpful with so many people working remotely, as there has been a significant increase in cyber-attacks and financial fraud.  It can also provide monitoring and protection for your children’s social medical accounts.


You can also elect auto/home insurance, pet insurance and purchasing power any time during the year.  There is a cost associated with voluntary benefits.


Webinars Available


Henry Ford Health is offering webinars to help educate employees on the CDHP and Tiered Access medical plans, HSA and FSAs.  Make sure to register if you’d like to attend one of the following sessions:


Henry Ford Health: Spending Account or Savings Account – Which is Best For You

Learn more about the Health Savings Accounts and Flexible Spending Accounts. Click here to listen to a pre-recorded webinar.



Henry Ford Health Employee HAP Health Plan Options 

Learn more about the HAP Medical Plans offered through Henry Ford Health. Click here to listen to a pre-recorded webinar. Password: bjG39wC5


Questions or Help

For help enrolling or any questions about your benefit choices after reviewing the 2023 Highlights   and the 2023 My Choice Rewards Benefits Guide, send an email to openenrollment@hfhs.org or contact Employee Services at 855-874-7100 weekdays between 7:30 a.m. and 4:30 p.m. Eastern Time.