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Frequently Asked Questions

Is this considered a group plan?

With respect to your company, this is considered a group plan.


When am I eligible for coverage?

New employees are eligible for coverage on the first day of the month following your date of hire, 30 days, 60 days, or 90 days depending on your company. However, you must enroll in benefits to participate. Please verify with your HR department for your company’s eligibility period.


Who is eligible to participate?

As an employee, you, your spouse, natural children, step-children, adopted children and/or child you are legal guardian for can participate.


How do I enroll?

You can enroll online or by telephone.  The tab list “Enroll” has the link and/or telephone number to enroll.


How often can I make changes to my coverage?

You can make changes, including adding or removing dependents at your initial eligibility, at open enrollment or if you have a qualifying life event.


What is the effective date of my coverage?

Your coverage will be effective the first day of the month following your eligibility period and positive election. 


Will I receive an ID Card?

Yes, an ID card will be mailed directly to your home.


How do I pay for coverage?

You will pay for coverage through equal payroll deductions each pay period.


What happens to my coverage if I terminate employment?

Your coverage will remain in-force until the end of the month of your employment.


Can I continue coverage after termination?

Yes, you will be able to elect coverage to continue under COBRA.  It will stay in-force up to 18 months, assuming you continue making your premium payments.


How do I determine what my policy covers?

A summary list of coverage is provided under the tabs My Health, My Rx, My Dental, My Vision, etc. 

A copy of the summary plan descriptions and SBC are available under the documents tab.


Are pre-existing conditions covered?

Yes, the medical and Rx program covers pre-existing conditions.


How do I find a provider or pharmacy?

A link to network medical providers can be found in the My Health tab.

A link to accepting pharmacy providers can be found in the My Rx tab.


Who do I contact with questions?

Please contact Client Support by email at

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