Employee FAQ

What is Open Enrollment?
Open Enrollment is the annual event, for certain benefits, where you and your eligible dependents can make changes to your plan and dependent elections.

How do I enroll as a New Employee?
Carefully review all the information in your Benefits Packet before making any decisions. Make your benefit elections by completing the enrollment form(s) provided by your HR Administrator. Return your completed enrollment form(s) to Human Resources right away but no later than the effective date of your benefits. By waiting until your effective date to submit enrollment form(s), you may experience delays in receiving your ID card and accessing benefits.

Can I see my doctor or get a prescription if I have not received my ID card yet?
Contact your Benefit Pro Account Manager who will contact the carrier and check the status of your application and see if ID cards have been mailed. If the member is verified in the system, the member should notify the provider to contact the carrier with the Group and Member ID number. If the member data has not been loaded into the system, the member can still see a provider by giving the provider their Group number. The employee will probably be asked to sign a statement of financial responsibility to proceed with the medical care. Once the insurance coverage is verified, be sure to notify your provider so that the services can be billed accordingly.

If a prescription is needed prior to being in the system, the employee will need to pay for the medication and submit a claim form in order to get reimbursement up to the co-pay amount. In the mean time, your Benefit Pro Account Manager will be working to get the application expedited in to the carrier’s system.

What should I do if my address has changed?
The employee should contact the company HR Administrator AND the insurance company customer service department to notify them of the address change.

When is the next opportunity to enroll or make changes to my benefits?
The next time you can make changes or enroll is the next Open Enrollment or within 30 days of a “Qualifying Event”. Some policies may impose limitations or a waiting period if an enrollment is made after your initial Open Enrollment.

How do I add or delete a dependent from my plan?
If there is a “Qualifying Event” or if the necessary change is during open enrollment, the employee will need to complete a change form for each carrier that is affected by the change and submit the form to the company HR Administrator.