Welcome to Livewise

Livewise was created with you and your family in mind to help enhance your experience with DBM Global’s benefits program. We’re committed to providing helpful and convenient resources to support how you understand and use what’s included in your benefits.

For a deeper breakdown of each section of the benefits program, simply scroll down and click one of the the icons or select an option from the menu above. If you have further questions, you can always contact us directly for more personalized support. Over time we’ll continue to add or update information that may affect you or help you further, so we hope you’ll check back often.

Explore Employee Benefits

Medical Benefits

Prescription Benefits

Dental Benefits

Vision Benefits

Retirement Benefits

Life & Disability Benefits

Frequently Asked Questions

What do I need to know for Annual Enrollment for 2020?

For a step-by-step walkthrough for Annual Enrollment, download our Enrollment Guide.

When is Annual Enrollment for 2020?
Annual Enrollment runs from November 25–December 6, 2019.

Didn’t we just enroll for benefits?
Yes; however, we have moved enrollment from 09/01 to 01/01.  Enrollment and deductibles will now sync on a calendar year basis.

What happens if I do not enroll for health care coverage?
You will not have health care coverage effective Jan. 1, 2020.

Will my current healthcare benefit elections in SmartBen rollover to Empyrean?
No. This year Annual Enrollment is an ACTIVE enrollment which requires you to elect coverage in the new DBM Global benefit system, Empyrean.

Does Empyrean have an app to assist me in enrolling for my benefits?
Yes. You may access the app directly from your phone by downloading from the Google Play or iTunes store. Search for EmpyreanGo.

Where may I find my current healthcare elections?
You may find current elections on SmartBen through Dec. 31, 2019.

Where may I find my current healthcare elections since SmartBen is going away?
You will still have access to your current benefit elections on SmartBen through Dec. 31, 2019. To log in, go to smartben.com to review your current selections. Enter your user ID: DBM + your 6-digit date of birth + last four of your SSN (ie. DBM0509801234). Enter your default password: Your 8-digit date of birth (mmddyyyy)

Will I receive new ID cards in 2020 for medical, dental or vision plans?
No, you will only receive a new ID card if you’re enrolling for coverage in medical, dental or vision plans for the first time.

If I did not enroll for Voluntary Life Insurance before, will I be required to complete a health questionnaire now when I elect coverage?
No, you will be guaranteed coverage up to $200,000. This is the best time to elect coverage or increase coverage up to the guaranteed amount of $200,000 regardless of any pre-existing health condition. Guarantee Issue is generally only available at the time you are hired and first eligible. This opportunity will not be available at a later date.

In relation to Voluntary Life Insurance, what is Guaranteed Issue and Evidence of Insurability?
Guaranteed Issue (GI) is to guarantee a specific benefit amount that is approved automatically without further health questions or exams needed. Evidence of Insurability (EOI) is a health questionnaire.

When does the medical deductible restart?
As of 01/01/20 it is on a calendar year basis.

Are there any rate changes to premiums in 2020?
No. The only change being made to premiums is the frequency of collecting premiums. Beginning on Thursday, Jan. 9th, 2020, we will collect premiums from 52 paychecks.

What is the benefit of being enrolled on a Disability Plan?
In the event you cannot work and are out for a period of time due to an illness or disability, a disability plan replaces income.  Also known as “disability income”.

Are limits changing in 2020?
The 401k Retirement Plan limits increase from $19,000 to $19,500, allowing you the opportunity to contribute an additional $500 pretax. If you are age 50 or over, you may contribute an additional amount. Catch-Up contribution limit also increased $500 from $6,000 to $6,500. These limits are set annually by the Internal Revenue Service. There will be no changes to Dependent Care Account limits for 2020.

What is a Dependent Care Account and how it is used?
A pre-tax benefit that is used to pay for eligible day care services, before or after school programs for children under the age of 13.  This also applies to adult care.

Will there be any onsite benefit meetings provided during Annual Enrollment?
No. Benefits has partnered with IT and are sending laptops to Shops to provide support for you when enrolling for healthcare coverage.

Will there be a Health Savings Account or Flexible Spending Account in 2020?
No, we will not be offering a Flexible Spending Account or Health Savings Account (HSA) in 2020. Due to the structure of the DBM Global Medical Plan (copay-based plan), by law we are not able to offer an HSA.

What is a deductible and how does it work?

A deductible is the amount of money that you pay before your health plan begins paying for your medical bills. Even though the plan does not start paying until your deductible has been met, it is important to submit claims to the plan. The plan discounts procedures by allowing only a percentage of Medicare to be charged. Learn how it works (PDF).

Why use Medicare as a Reference?

Medicare is the largest healthcare payer in the country, and only Medicare has established and published prices for healthcare services. Medicare rates are the most commonly accepted pay rates, for example, hospitals receive 60% of their payments from Medicare. Our plan is not in any way affiliated with Medicare or Medicare Advantage, the Medicare data is simply used for a pricing benchmark to level the costs.

What is Reference Based Pricing?

Reference Based Pricing (RBP) is a common methodology used to calculate the amount a healthcare provider is paid for a specific service by paying a specific, pre-determined percentage of that standard Medicare rate. Reference Based Pricing closes the gap on how much different hospitals charge for the same services and saves our employees and their families money. In contrast, BCBS determined what you paid for a doctor visit by their PPO network discount, where the price was unknown until after services are rendered, increasing the total healthcare costs.

How does Reference Based Pricing affect DBM Global Plan Members?

If a member has a service at a hospital or physician’s office, the benefits will function exactly as they did before. You pay towards your deductible, and the Plan pays based on the predetermined, referenced based reimbursement on the member’s behalf.

How does Reference Based Pricing impact your healthcare providers?

Insurance companies like BCBS and Cigna have established connections with providers. Apostrophe is not an insurance company and not as well known, requiring the provider to establish the communication and billing with them. Because this takes an extra step, it is highly beneficial to communicate with your provider prior to the appointment to work out the communication and billing with Apostrophe.

Helpful Resources