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I have ordered new insurance cards. How long will it take me to receive the cards? |
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It will take approximately 7 to 10 business days for you to
receive your new identification cards. If you have not received
them by this time, please contact your customer service representative. |
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| Q |
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I have just enrolled on my employer's group insurance.
Will I be subject to a waiting period for pre-existing conditions? |
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If you had prior coverage within the past 63 days,
then the amount of time you were covered under the prior
carrier will count toward the pre-existing condition time
limit for this plan. If you did not have prior coverage,
then you will be subject to pre-existing limitations.
The pre-existing limitations vary, so please contact your
customer service representative for the details of your plan. |
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| Q |
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I am having problems getting my claims paid. Who can help me? |
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WE CAN!!! Just call your customer service representative and we will help you to resolve any claims issues. |
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| Q |
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What is my deductible? |
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A deductible is a specified dollar amount of covered
services that must be incurred by you before your plan will
provide benefits for all or part of the remaining covered
services. Deductibles vary by plan; please refer to your
benefit booklet or call your customer service representative
to determine the dollar amount of your deductible. |
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| Q |
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Do I need a referral to go to a doctor other than my primary care doctor? |
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This varies according to your plan. Please contact your
customer service representative before you seek care, for
the details of your plan. |
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| Q |
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What do I do if I need a prescription filled before I receive my identification card? |
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You will need to pay the full price for the prescription
and send the receipt from the pharmacy to us. We will file the
prescription for you with your insurance carrier and you will
be reimbursed all but the member responsibility. |
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| Q |
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I went to the pharmacy to get a prescription and
I had to pay more than my copay, why? |
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This could be for a variety of reasons. Please contact
your customer service representative and we can contact the
pharmacy and insurance company to assist you in finding out
why you paid more than your copay. |
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| Q |
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Do I have coverage for routine physical exams? |
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This varies according to your plan. Please contact your
customer service representative for details on your plan benefits. |
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| Q |
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What are the procedures I need to follow if I
go to the emergency room? |
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If your plan requires you to elect a primary care
physician, then you will need to contact that primary
care physician before going to the emergency room. If it
is after hours or on the weekend, then you must contact
your primary care physician as soon as possible, usually
within 24 hours, or on the next business day. Please
remember that if this is not an emergency medical
condition, all services will be denied. |
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| Q |
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What doctors and hospitals can I go to with my plan? |
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When you enrolled on the plan, you should have
received a provider directory. If you did not or it is
more than 6 months old, please see your employee benefits
coordinator for a new directory. You can also contact
your customer service representative if you need a
directory or need to know right away if a provider is on
your plan. |
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| Q |
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I just got married. I have a newborn.
How do I add them to my plan? |
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When you enrolled on the plan, you should have
received a provider directory. If you did not or it is
more than 6 months old, please see your employee benefits
coordinator for a new directory. You can also contact
your customer service representative if you need a
directory or need to know right away if a provider is on
your plan. |
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| Q |
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What is the difference between my deductible
and my out-of-pocket? |
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Your deductible is a specified dollar amount that
must be incurred by you before your plan begins paying
benefits. Your out-of-pocket is a specified dollar amount
that you must pay after your deductible has been met. The
out-of-pocket limit is met on charges that you pay a
portion and the insurance company pays a portion, in
other words, you share the cost of the charge with the
insurance company. Once the out-of-pocket limit is
reached, your share of the cost will decrease to an
amount specified by your plan - usually with there being
no member responsibility and the insurance company paying
the entire cost of the covered charges. |
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| Q |
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I was covered on my employers group insurance
plan. I left employment and continued the coverage on COBRA.
How long can I stay on COBRA? |
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COBRA is a federal law. Depending upon the reason you
left employment, the length of time you can continue
COBRA will vary. Please contact your customer service
representative to help you determine the length of time
you may continue. |
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| Q |
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I left employment and had money in my 401K plan.
How do I get my money and what can I do with the money? |
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CONTACT US!!!! We will send you the appropriate forms
to complete. Not only can we help, we can explain the
taxes and penalties that may apply if you get your money.
We can also help you with options to rollover your money
so you will avoid taxes and penalties. |
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