Medical Insurance FAQ'S

Below are the most frequently asked questions.

If I elect not to participate now and need to later, what are my enrollment rights?

You can enroll yourself and/or your eligible dependents at the next annual open enrollment. If you declined health coverage because you and/or your dependents were already covered under another plan and that other health coverage is lost, you can request a special enrollment within 31 days of the loss of the other coverage. In addition, if you have a new dependent, you may be able to enroll yourself and your dependents, provided that you request enrollment within 31 days of getting the new dependent.

When does coverage begin?

Your coverage is effective on the first day of the month after you enroll, provided you are eligible. (Eligible employees include all contract employees who have completed 30 days of service.) Your dependents' coverage begins when yours does unless you enroll them later. If you enroll dependents at a later date, their coverage will become effective after the written enrollment is approved and the premiums have been paid.

Who can I enroll?

In addition to you, dependent coverage is offered in the medical, vision care, dental, and term life plans. Your eligible dependents are your lawful spouse and your unmarried children (who depend on you for support) from birth through age 18, through age 24 if a full-time student, or through any age if handicapped and unable to earn a living.

Which doctors, dentists, and hospitals may I use?

You are free to use any licensed doctor or dentist, or any certified hospital. However, under the medical coverage plan you can save money by using an in-network provider.

When can I begin using my Prescription Drug Card?

Your card may not be used until your enrollment has been set up on the Medco Health Prescription Solutions, Inc. systems. Your prescription drug card benefits begin the same day as your other medical coverage benefits. However, it may take a few weeks for your prescription drug card to be activated.

What is a deductible? What is a co-pay?

A deductible is the amount of money you must pay for eligible expenses before the plan begins to pay benefits. A co-pay is similar to a deductible, but it is the amount you pay each time that you incur certain charges. When you pay a co-pay, there is normally no deductible.

Does the medical plan cover maternity?

Yes. Maternity is a covered expense, subject to the same limits and exclusions as any other eligible expense.

Are chiropractic services covered under the medical plan?


What is a beneficiary?

Your beneficiary is the person you name to receive the benefits of any term life or accidental death coverage you may have in the event of your death. You can name anyone you want to be your beneficiary.

When will I receive my Summary Plan Description (SPD)?

You will receive your SPD when you enroll.

What if I have more questions?

If you have any questions, or would like further information, please contact Keith Meisinger at
817.847.6673 ext. 2164 or email

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