Page 25 - McLarty 2017-2018 Benefits Booklet_Finished
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FREQUENTLY ASKED QUESTIONS
• Who is eligible for benefits? • Can I or my dependents be denied
• Any full-time employee regularly scheduled coverage for pre-existing conditions?
to work 30 or more hours per week as well • No, the Affordable Care Act requires plans
as their dependents to provide coverage for all pre-existing
• A dependent is defined as a covered conditions.
employee’s legal spouse or a dependent • Can I enroll dependents on voluntary
child. coverages without enrolling them for
• Unless disabled, a dependent child can be medical insurance?
covered through the end of the month in • Yes, you do not have to have medical
which they turn age 26. insurance on your dependents to enroll
• When does my insurance go into them in voluntary benefits. You can enroll
effect? dependents in any benefit that they are
• All full-time employees are eligible for eligible for and that you enroll in yourself.
insurance the 1st day of the calendar month • Do we need referrals to see a
following 60 days of employment specialist under our medical plan?
• How and when do I get my insurance • No, the BlueCross BlueShield plan does not
ID cards? require any referrals to see an in-network
• Your ID cards will be mailed directly to your provider. Please note that some services
home address. Most cards are received require prior authorization. Please see your
within 2 weeks of your effective date. certificate of coverage for more information.
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