Page 3 - Rehab Alliance EE Guide 08-20 (NO TRIO)

ENROLLMENT INFORMATION

Who May Enroll
If you are a regular, full‐time employee working at least 30 hours per week, you and
your eligible dependents may participate in Rehab Alliance’s benefits program. Your
eligible dependents include:
• Legally married spouse
• Registered domestic partner
• Children under the age of 26, regardless of student or marital status

When You Can Enroll
As an eligible employee, you may enroll at the following times:
• As a new hire, you may participate in the company’s benefits program on the first
day of the month following the completion of 30 days of full‐time employment Benefits Plan Year:
• Each year, during open enrollment August 1- July 31
• Within 30 days of a qualifying event as defined by the IRS (see Changes To
Enrollment below)

Paying For Your Coverage
The Gold Access+ HMO Medical plan option is provided at no cost to you and is paid entirely by Rehab Alliance. You have the
option to buy-up to the Platinum HMO or the Gold PPO Medical plan options. The Basic Life/AD&D benefits are provided at no cost
to you and is paid entirely by Rehab Alliance. For Dental, Rehab Alliance will reimburse up to $1,000 maximum per calendar year
for employee only. Any Vision and Supplemental Benefits you elect will be paid by you at discounted group rates. Medical and
vision contributions are deducted before taxes are withheld which saves you tax dollars. Paying for benefits before‐tax means that
your share of the costs are deducted before taxes are determined, resulting in more take‐home pay for you. As a result, the IRS
requires that your elections remain in effect for the entire year. You cannot drop or change coverage unless you experience a
qualifying event.

Changes To Enrollment
Our benefit plans are effective August 1st through July 31st. There is an annual open enrollment period each year, during which
you can make new benefit elections for the following August 1st effective date. Once you make your benefit elections, you cannot
change them throughout the year unless you experience a qualifying event as defined by the IRS.

Examples include, but are not limited to the following:
• Marriage, divorce, legal separation or annulment • Change in your residence or workplace (if your benefit
• Birth or adoption of a child options change)
• A qualified medical child support order • Loss of coverage through Medi-Cal or Children’s Health
• Death of a spouse or child Insurance Program (CHIP)
• A change in your dependent’s eligibility status • Becoming eligible for a state’s premium assistance program
• Loss of coverage from another health plan under Medi-Cal or CHIP

Coverage for a new dependent is not automatic. If you experience a qualifying event, you have 30 days to update your coverage.
You may login to Ease to update your dependent information as needed. Ease login information is located on page 4 of this guide.
If you do not update your coverage within 30 days of the qualifying event, you must wait until the next annual open enrollment
period to update your coverage.

Online Carrier Resources

Take advantage of the online resources available through our insurance carriers. You can
locate network providers, manage your claims, obtain health and wellness information, and
much more! Insurance carrier website addresses are located on page 14 of this guide.

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