Medical Benefits

Your employer offers medical insurance to protect the health of you and your family. It covers medical expenses such as visits to the doctor’s office, emergency care, and prescription drugs. It’s important to have a medical
plan that meets your needs and the needs of your family.

Keep in mind that your out-of-pocket costs will be lower if you receive care from an in-network doctor and facility. To find an in-network doctor, please visit bcbsks.com.

	In-Network	Out-of-Network
Deductible (Individual/Family)	$2,000/$6,000	$4,000/$10,000
Out-of-Pocket Max (Individual/Family)	$6,350/$12,700	$8,350/$14,700
Member Coinsurance	20%	40%
Preventive Care	100% Covered	Deductible + 40%
Primary Care Visit	$25 Copay	$25 Copay
Specialist Visit	$50 Copay	$50 Copay
Inpatient Surgery	Deductible + 20%	Deductible + 40%
Outpatient Surgery	Deductible + 20%	Deductible + 40%
Urgent Care	$50 Copay	$50 Copay
Emergency Room	Deductible + 20%	Deductible + 40%
Retail Prescriptions
Tier 1	$15 Copay	N/A
Tier 2	$50 Copay	N/A
Tier 3	$75 Copay	N/A
Tier 4	$150 Copay	N/A
Tier 5	20% up to $250	N/A

Employee Costs with Wellness	Per Month	Per Week
Employee Only	$128	$32
Employee + Spouse	$552	$138
Employee + Child(ren)	$448	$112
Family	$696	$174

Employee Costs without Wellness	Per Month	Per Week
Employee Only	$164	$41
Employee + Spouse	$612	$153
Employee + Child(ren)	$484	$121
Family	$756	$189

Downloads

Summary of Benefits

Understanding the Coverage You Need

Glossary of Health Coverage and Medical Terms

Provider Directory

Amwell Telemedicine Flyer

MCM-EEOC Wellness Notice

Welcome to MCM Wellness Program

In our ongoing efforts to support and encourage employee health and well-being, MCM is redesigning our wellness program and how it affects your health premiums.

How to Reduce Your Health Insurance Premiums in 2027

Eligible employees and your spouse (if you have one) * will need to complete two steps to qualify for premium reductions:
Step 1: Complete an annual preventive physical exam with your primary care physician by October 17, 2026. Take the attached form to your appointment and have your doctor complete and sign it. It is the participant’s responsibility return the form to HR in the Manhatttan, Topeka or Lawrence office.

Step 2: Please provide the completed form or other proof of exam to Human Resources Department in one of the following ways:
1. Scan and email the attached form to hr@midwestconcretematerials.com
2. Fax a copy to 785-776-1147
3. Provide the paper original to HR in the Manhatttan, Topeka or Lawrence office

*You do not need to wait for your results to have the form completed and submit to HR. You just need your provider’s signature.
*Employees who choose to participate in the wellness program will receive the Wellness Discount in 2025. Although you and your spouses are not required to participate, only those who do so will receive the Wellness Discount. You/your spouse must complete these steps between January 1, 2026, and October 17, 2026, to qualify for the Wellness Discount in 2027.

*Both employees and their spouses may qualify for these wellness discounts separately by completing Steps 1 and 2.