Frequently Asked Questions (FAQs)
Can I add a spouse or dependents to my plan?
Although we strive to provide you with the best insurance at the lowest cost, at this time only eligible Agency Providers can add dependent children and must pay the full-premium price.
Individual Providers: Dependents are not covered. The Individual Provider benefits do not allow coverage for dependents under this plan.
Agency Providers: If you are covered by the Health Benefits Trust through your employer, you can cover dependent children by paying the full premium for them through payroll deduction. Dependent children can only be added when they are initially eligible or during the annual open enrollment period. Check with your employer for more information.
Can I be covered by another plan at the same time that I’m enrolled in the Health Benefits Trust Plan and use it as secondary coverage?
No, participants may not have health care benefits or insurance through other individual, family, employment-based, military or veterans coverage or insurance. The only exception is Medicare and Medicaid. If enrolled in Medicare or Medicaid, you may enroll in the Trust, and then your Medicare or Medicaid coverage becomes secondary to your Trust coverage.
How many hours do I have to work for continuing coverage?
After your coverage begins, you must work at least 80 hours each month to have continuous coverage. Training hours and accrued vacation hours can be used to satisfy the 80-hour requirement.
I am reaching 65 years of age and would like to know how the Health Benefits Trust insurance will work with Medicare.
If you are enrolled in Medicare or Medicaid, you may enroll in the Trust and your Medicare or Medicaid coverage becomes secondary to your Trust coverage.
I don’t have enough hours some months resulting in a lapse in coverage, do I have to meet the initial eligibility requirements again?
If your lapse in coverage has been shorter than 12 months, you will not have to meet the initial eligibility requirements. If you’ve been out of the plan for 12 months or more, you will have to meet initial eligibility requirements again. Initial eligibility requirements are met by working two months of 80 hours and waiting the one-month administrative period.
If I cancel my insurance, can I enroll again later?
Yes, but if you have voluntarily cancelled your coverage, you will have to meet the initial eligibility requirements again in order to regain coverage. If you are an Agency Provider, you must wait until the next annual open enrollment. If not, then this would be the same process as someone losing coverage (less than/more than 12 months).
What Are the Qualifications to Enroll in the Health Benefits Trust Coverage?
You must work at least 80 hours per month for at least two months in a row. After your coverage begins, you must work at least 80 hours each month to have continuous coverage. Training hours and accrued vacation hours can be used to satisfy the 80-hour requirement.
When can I submit my enrollment form for coverage?
Individual Providers: You can pre-apply as soon as you have authorization to work as an Individual Provider and are under contract to work 80 hours or more per month.
Agency Providers: Contact your employer to coordinate your enrollment.
When will my coverage be effective?
Individual Providers: You must work at least 80 hours per month for two consecutive months. After you have met this requirement, it takes one month before your coverage starts. See the example below:
|You worked at least 80 hours||You worked at least 80 hours||Administrative period||Coverage begins on July 1st|