Q: Can I pay my contributions for the whole year upfront?
A: Unfortunately, paying for the whole year upfront isn’t an option at this time, but we’re always working on ways to make things easier for you!
Q: Can I make changes to my policy, like adding dependents, adjusting plan levels, or changing effective dates?
A: You can make changes during the Open Enrollment period. If you need to make changes outside of that time, it’ll require a Qualified Life Event (QLE). Don’t worry—you can easily find the QLE form here in your Personal Health Dashboard™.
Q: Can I cancel my plan at any time? What are the restrictions?
A: Yes, you can cancel your plan at any time. Just note that cancellations don’t come with partial refunds. For example, if you cancel on November 15th, you’ll be covered for the rest of the month, but won’t be charged again after that, and your coverage will end on December 1st.
Q: Do copays count toward my deductible?
A: Copays don’t count toward your deductible, but they do contribute to your maximum out-of-pocket costs.
Q: If I choose not to complete activities, will I be terminated?
A: While completing activities is optional, we strongly encourage participation. These activities help you stay on top of your health, lower healthcare costs, and reduce the risk of serious health issues. If you choose not to complete them, it could lead to termination of your employment.
Q: What happens if I cancel or withdraw from the employee benefit plans? Can I move to an ACA plan?
A: If you decide to cancel or withdraw, it’s best to reach out to an ACA specialist to help you with transitioning to a different plan.
Q: How do I submit a claim?
A: Submitting a claim is easy! Simply download the reimbursement form from your Personal Health Dashboard™, follow the instructions, and submit it. Clean claims are typically processed within 7-10 business days and paid out within two weeks.
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