Q. Is health insurance coverage automatic?
A. No, you must elect the coverage on an annual basis.
Q. When will I receive my identification cards?
A .You will receive your identification card approximately 2 weeks after your enrollment has been processed.
Q. May I visit a medical provider that does not participate in the plan?
A. Yes you may visit an out of network provider, but please refer to your Summary of Benefits listed on this website, you will have a high cost share, and will possibly be balance billed.
Q. How do I know which medical providers accept the health insurance plan that I have chosen?
A. You may either call your health, dental or vision carrier directly or reference the provider details by viewing the benefit pages on this website.
Q. Must I select a Primary Care Physician (PCP)?
A. No, Primary Care Physicians are not required on any of the plan offerings.
Q. What should I do if I receive an Explanation of Benefits that states the insurance company has rejected my claim?
A. There are several reasons why this may happen, you need to contact the insurance company directly at the telephone number listed on the Explanation of Benefits.
Q. What happens to my medical coverage if my employment ends?
A. If you leave, your health, dental and vision coverage will remain in effect for 28 days from the end of the pay period in which you leave and then COBRA continuation of benefits will be offered.
Q. What do I say if my doctor’s office asks what is my copay?
A. With the HDHP, you will not have a copay for your care. If your doctor’s office asks, tell them you do not have a copay. For preventive services, your care is covered at 100%, no deductible for in network providers. For non-preventive care, you will pay for the cost of your care based on the discounted amount after your doctor’s office has submitted the claim to your medical insurance carrier.
Q. Where can I find our group number?
A. Group numbers can be found on your Medical and Dental ID cards.
Q. Who should I contact if I need to verify if a procedure is covered or not?
A. Contact the customer service number on your plan ID card. Whether it is for medical or dental, the best place to start is to call the carriers directly. They will be able to answer your questions and give you any necessary instructions.
Q. Who can I cover under my benefits?
A. Your legal spouse and dependent children for medical, dental and vision coverage, regardless of their student status. Your dependent children can be covered until the last day of their birth month of their 26th birthday. Please Note: if you elect to cover a spouse who has access to other medical coverage, including Medicare, you will be charged a $100 monthly surcharge.
