Frequently Asked Questions

You may be eligible to enroll during your company’s open enrollment period, after you have made it past your employer’s waiting period from the time you are hired or have experience a qualifying life event.

Any one of these qualifying life events allows you to enroll in benefits outside of your company’s open enrollment period:

Marriage, birth/adoption of a child, divorce, death, loss of prior coverage, or you or a dependent reaches age 26

A deductible is the amount you pay for health care services before your health insurance begins to pay.

How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.

For In-Network claims, you simply present your Insurance ID card to your health provider. From there, the provider bills the insurance company and you will get a statement from the insurance carrier if the expense was fully covered or if there is a remaining responsibility to pay. Check your EOB (Explanation of Benefits) for contracted prices you may be liable for.

Telemedicine is a convenient way to remotely connect to healthcare providers via HIPAA compliant video or messaging technology that lets you consult a doctor in real time to get a diagnosis or to fill a prescription.