Frequently Asked Questions

How do I qualify and/or when am I eligible for benefits?

Any new employees must first meet their eligibility waiting period before they are eligible to enroll for the benefits. After you log in, please review the eligibility guidelines found under the Review Benefits & Costs button or contact us at 1-800-866-2325 for your company's complete eligibility guidelines. Any current employees who have already met their eligibility waiting period are eligible to enroll and/or make changes to their benefits anytime during your company's Open Enrollment period (which is normally once every year.)

How long do I have to enroll?

New employees, enrolling for the first time, have the month before and after their benefits' effective date to enroll. (i.e.: If your coverage is going to be effective August 1st, you have the whole month of July and August to enroll for coverage). Any current employees enrolling for the first time during Open Enrollment have the whole month to enroll.

How do I enroll or review my benefits?

Log into the website by entering your Last Name (as it appears on your paycheck), or your login (if not your last name), and your Social Security Number (or password - site is secure) in the fields at the top of the page. This will give you access to enroll if you are eligible and to view and/or print your detailed benefits information. You may also call 1-800-866-2325 for a printed version of your benefits.

What are my per paycheck contributions?

Once you have logged into the website, your contributions may be found under the Review Benefits & Costs button.

How do I change my address or my beneficiary?

To change your address, log into the website and choose the View/Modify Your Enrollment Information button. Please make sure to keep your address updated. This ensures that any mailings and other important insurance information can be successfully delivered to you. To change beneficiaries, log into the website and choose the Assign or Change Beneficiaries button.

What if I lose my ID card or have not received a Benefit ID card?

Please contact us at 1-800-866-2325 and we will be happy to order replacement ID cards for you. New cards should arrive within 10-12 business days. If you need an ID card sooner than that, please log into the website and choose the Temporary ID Card button. Here you can print out temporary ID cards for your medical, dental and/or vision coverage to use until the replacement cards arrive.

How do I find a list of Vision Providers?

On the left hand side of the website you will find a link labeled Locate a Medical, Dental or Vision Provider.

Do I need to use certain Dentists?

Most dental plans offer In and Out of network coverage; however, by utilizing an In-network Provider, you will benefit from lower out-of-pocket costs as they offer discounted rates on services to In-network Providers.

How do I file a claim?

At the top of the website you will find a link labeled Forms. Here you will find claim forms for your medical, dental and/or vision coverage. Please complete the top section of the form and attach an itemized bill. Mail the claim form to the address listed on your ID card. Most In-network Providers will NOT require a claim form once you have shown them your ID card.

How do I use the mail order prescription option?

At the top of the website you will find a link labeled Forms. Here you will find a form for Mail Order Prescriptions. Make sure to choose the form for the mail order service listed on your benefit summary. Follow the instructions to fill out the form, include an original prescription and mail to the address listed on the form. Payment can be made in the form of a check, money order, or you may fill out your credit card information on the form. Prescriptions will be mailed to you in 2-3 weeks.

What if I'm sick and it's after office hours?

Always contact your physician first. Even if it's after their regular office hours, the physician will have an answering service that can contact the physician on call. Your physician's office may refer you to the Emergency Room or an Urgent Care Facility.

Do I need a referral from my regular physician to see a specialist?

No. You may go directly to a specialist without a referral. However, keep in mind, there are lesser benefits if you see an out-of-network provider versus an in-network provider (if you have any doubts on whether your provider is in-network, please use the Locate a medical, dental or vision provider link on this site.)

How can I recover my login Information?

By default, you can log into the website with your last name (or login name) and your social security number (or password); however, if you have logged in previously and changed your login to a new username and/or password, click here to retrieve these.

How do I know I'm safe entering personal information on this website?

The communication between your web browser and this website is encrypted, using the latest advanced technology. Features of a secure website are:

  • The website address begins with https, the s meaning secure.
  • A padlock icon should be found in either the bottom-right or top-right (or elsewhere) in your web browser. You can double-click on the padlock to view information about the secure certificate used by this website.
  • If there are any challenges with secure communication, you will see warning messages. If you do not see any messages, your web browser has successfully created a secure connection.
  • Search Google or another search engine for more information regarding secure websites.

What if I have more questions?

You can always send a secure message to our Customer Service Representatives by using the Contact Us link found on the left hand side of this website. Or, please call 1-800-866-2325 - we are as close as your phone!