LIFE X GROUP COVERAGE!
ABOUT LIFE X
About LifeX
Q: Who is LifeX?
A: LifeX Research Corporation is all about improving global well-being by providing valuable health insights and wellness market data. Our goal is to take raw data and turn it into meaningful solutions that can help businesses and healthcare professionals make a positive impact. We work with Research Associates (RAs) to gather important information on health and consumer habits. As an RA, you’ll get to participate in activities and earn guaranteed payments. You’ll even receive a W-2 for your earnings!
Q: What are the expectations of a Research Associate?
A: As a Research Associate with LifeX, you’ll receive an email or text each month with opportunities to contribute to our research. This might include taking part in activities like surveys, videos, quizzes, health coaching, telemedicine, and more—all through your Personal Health Dashboard™ (PHD). Your dashboard is also where you can keep track of your benefits and everything you need to know about your RA role. For your participation, you’ll receive a payment!
Q: What benefits do Research Associates get?
A: As an active Research Associate, you’ll have the chance to access group medical and wellness benefits. These benefits are available to those who keep up with their premium payments. If premiums aren’t paid on time, coverage may be affected, so it’s important to stay on top of payments to keep your benefits.
Q: What are qualified health activities?
A: Research Associates are paid $40 per hour for completing health research activities, with payment based on how much time you spend on each task. For example, if you spend 15 minutes on an activity, you’ll earn $10. Most activities are quick and easy, like watching videos, filling out surveys, logging vitals, or participating in health coaching. Each task typically takes 15 minutes or less to complete.
Q: Who is Benefits Health Plan Inc (BHPI)?
A: Benefits Health Plan Inc. is our Third-Party Administrator (TPA), working alongside LifeX to manage health benefits and related services.
Q: Who can complete activities in the Personal Health Dashboard™?
A: Only individuals who hold the Research Associate status can complete activities in their Personal Health Dashboard™.
Q: What is LifeX’s free look period?
A: LifeX offers a 10-day "free look" period, which gives you time to review your plan. If you decide it’s not for you and no claims have been made, you can get a refund within 30 days.
ENROLLMENT
Q: When do employee benefits recurring payments come out?
A: Your benefit payments are automatically drafted around the 15th of each month, making it easy for you to stay on top of things without having to worry about missing a payment!
Q: How does the pre-certification process work?
A: When you need a pre-certification, your healthcare provider will submit a request directly. We’ll review it to make sure it’s medically necessary and covered by your plan. You’ll receive an approval or denial, and if needed, you can appeal the decision. We’ll even arrange a peer-to-peer conversation to make sure everything is thoroughly reviewed. There are no network limitations for care, so LifeX works with any facility to ensure your care is approved at the right rates.
Q: How do I file an appeal?
A: If you need to file an appeal, simply send a letter to our Third-Party Administrator (TPA), Benefits Health Plan Inc., explaining the issue and including any supporting information. This will kick off the appeals process and get everything reviewed.
Q: How do I look up my current providers to make sure they’re in the network?
A: It’s easy to check! Just visit your Personal Health Dashboard™ and use the search function. You can also check with your provider directly to confirm they’re in the network, as PHCS PPO, Cigna PPO, and Anthem PPO update their lists regularly.
Q: Can I get an electronic version of my Medical ID Card while I wait for the physical card?
A: Absolutely! You can access your electronic Medical ID Card right in your Personal Health Dashboard™.
Q: How do I register for OurLiveDoc (telemedicine)?
A: It’s simple! Just log in to your Personal Health Dashboard™, go to Benefits > Telemedicine, and follow the easy steps to activate your account. You can also call us at 940-LIVEDOC for assistance.
Q: How do I know the specific limits on drugs?
A: You can easily find the formulary for your plan by checking the links below, depending on your plan type.
- For MM or HSA plans: Advantage Formulary & Advantage Tiered Formulary
- For VL plans: VL Formulary
- For all employees: Telehealth & Mail Order Formulary
Plus, don’t forget to check the Pharmacy Exclusions for any specific details you may need.
PLAN DESIGN
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.
Pre-Existing Conditions
Our plans offer coverage for pre-existing conditions, including chronic conditions and mental health conditions.
Easy Claim Process
Our claim process is simple and easy to use, with quick reimbursement times.
Urgent Information
We are here to educate! We'll help you find great, affordable medical coverage. Always read current brochures, as information is often updated.