Page 20 - 2020 HEICO Enrollment
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FREQUENTLY ASKED QUESTIONS
Healthcare
Question Answer
What is coinsurance? Once your deductible has been satisied, the coinsurance is your share of the cost of
covered healthcare services or supplies, expressed as a percentage .
How are deductibles and out-of- Generally speaking, during the calendar year, any expenses you pay towards your
pocket maximums accumulated in healthcare plan are irst attributable to your deductible, and coinsurance once your
the PPO plan? deductible is met . The coinsurance you pay will be applied to your out-of-pocket
maximum amounts .
What if I use a provider that is not Under the BCBS plan, deductibles and coinsurance are higher when you visit an out-of-
in the BCBS network? network provider . Other out-of-pocket expenses might also result if the charge is over
the “usual and customary” charge for the services as determined by BCBS . Ultimately,
YOU are responsible for taking the steps to determine whether or not the healthcare
providers you use are in the network . Be sure to always present your ID card to your
providers, and ask your providers to verify that they are/will remain in the network .
When do paycheck deductions begin The irst pay period following the efective date of your beneits coverage.
for my elected beneits?
When will I receive my medical and You will receive your new ID card within 2-4 weeks of beneit enrollment. If you need
dental ID cards? one sooner, a temporary card can be printed by visiting www.bcbsil.com.
When are my beneits efective? Beneits begin the irst of the month following 60 days of active employment, provided
enrollment is completed within 31 days of eligibility .
Do I need a vision card to utilize my A vision card is not necessary to use the insurance . Coverage will be looked up via your
vision insurance? Social Security number .
What should I do if I want to Complete your enrollment through UltiPro and decline all applicable beneits. Be sure to
waive coverage? conirm your elections before closing the event.
Where can I go to ind an in- Please go to www.bcbsil.com.
network provider?
Who can I contact if I have You may contact Health Advocate with questions about your beneits.
questions about my beneits?
Preventive Care
Question Answer
How do I make sure my scheduled Prior to receiving preventive care beneits, discuss with your doctor and ask them to
preventive care is paid for as a review the list of preventive care beneits under your plan that are paid at 100%.
preventive beneit?
If I have a medical condition that No. Your beneit will be paid subject to the deductible and coinsurance under the plan.
has a preventive test, will beneits
be paid at 100% for preventive
care services?
What if my doctor performs services The services that are on the preventive care list will be paid at the preventive level, and
at my annual physical not on the the remaining services will be paid subject to your deductible and coinsurance .
preventive list?
What if I have a preventive test Maybe . If the test is on the preventive care list and your doctor submits the claim with
and my doctor inds something? a preventive diagnosis, it will be paid under preventive beneits. Make sure you discuss
Is the test still paid at the your preventive beneits with the doctor prior to the procedure to make sure it is
preventive level? coded correctly .
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Healthcare
Question Answer
What is coinsurance? Once your deductible has been satisied, the coinsurance is your share of the cost of
covered healthcare services or supplies, expressed as a percentage .
How are deductibles and out-of- Generally speaking, during the calendar year, any expenses you pay towards your
pocket maximums accumulated in healthcare plan are irst attributable to your deductible, and coinsurance once your
the PPO plan? deductible is met . The coinsurance you pay will be applied to your out-of-pocket
maximum amounts .
What if I use a provider that is not Under the BCBS plan, deductibles and coinsurance are higher when you visit an out-of-
in the BCBS network? network provider . Other out-of-pocket expenses might also result if the charge is over
the “usual and customary” charge for the services as determined by BCBS . Ultimately,
YOU are responsible for taking the steps to determine whether or not the healthcare
providers you use are in the network . Be sure to always present your ID card to your
providers, and ask your providers to verify that they are/will remain in the network .
When do paycheck deductions begin The irst pay period following the efective date of your beneits coverage.
for my elected beneits?
When will I receive my medical and You will receive your new ID card within 2-4 weeks of beneit enrollment. If you need
dental ID cards? one sooner, a temporary card can be printed by visiting www.bcbsil.com.
When are my beneits efective? Beneits begin the irst of the month following 60 days of active employment, provided
enrollment is completed within 31 days of eligibility .
Do I need a vision card to utilize my A vision card is not necessary to use the insurance . Coverage will be looked up via your
vision insurance? Social Security number .
What should I do if I want to Complete your enrollment through UltiPro and decline all applicable beneits. Be sure to
waive coverage? conirm your elections before closing the event.
Where can I go to ind an in- Please go to www.bcbsil.com.
network provider?
Who can I contact if I have You may contact Health Advocate with questions about your beneits.
questions about my beneits?
Preventive Care
Question Answer
How do I make sure my scheduled Prior to receiving preventive care beneits, discuss with your doctor and ask them to
preventive care is paid for as a review the list of preventive care beneits under your plan that are paid at 100%.
preventive beneit?
If I have a medical condition that No. Your beneit will be paid subject to the deductible and coinsurance under the plan.
has a preventive test, will beneits
be paid at 100% for preventive
care services?
What if my doctor performs services The services that are on the preventive care list will be paid at the preventive level, and
at my annual physical not on the the remaining services will be paid subject to your deductible and coinsurance .
preventive list?
What if I have a preventive test Maybe . If the test is on the preventive care list and your doctor submits the claim with
and my doctor inds something? a preventive diagnosis, it will be paid under preventive beneits. Make sure you discuss
Is the test still paid at the your preventive beneits with the doctor prior to the procedure to make sure it is
preventive level? coded correctly .
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