The following guide answers general questions about using your benefit plan. The rules and provisions for your employer's plan may vary. Contact your insurance carrier and/or benefits representative for additional information.
 

General Information
General Plan Information
Benefit Enrollment and Changes in Coverage
Dependent Coverage
Physicians and Networks
Glossary
 

Benefit Plan Information
Disability
Flexible Spending Accounts
Health Care (Medical, Dental and Vision)
Life / Accidental Death & Dismemberment
Long-Term Care Insurance
Medicare

 
General Plan Information
What is my policy number? What is my personal identification number?
How do I contact my insurance carrier?
How long until I receive my ID cards?
How do I order an additional ID card for my dependents?

 
Benefit Enrollment and Changes in Coverage
When can I make changes to my benefit elections and/or add/delete dependents?
What is a Change in Family Status?

 
Dependent Coverage
How do I order an additional ID card for my dependents?
When can I add or delete dependents?
How do I add my dependent to my insurance?
What is a Change in Family Status?
Is my child still covered while in college?

 
Physicians and Networks
How can I get a list of providers?
What if I can't find my physician in the provider directory or on-line database?
What if my doctor is not part of the network from which I must choose my providers?
Can my doctor join the provider network of my plan?
What is a Primary Care Physician (PCP)?
How can I change my PCP?
What if I'm in the middle of treatment when I change health care plans, and my current doctor isn't in the network?

 
Health Care
Do I have a mail order prescription plan?

 
Life / Accidental Death & Dismemberment
What is a living life or accelerated benefit provision?

 
Flexible Spending Accounts
What is a Flexible Spending Account (FSA)?
What are the maximum amounts I can set aside for my Flexible Spending Accounts?
What happens if I do not spend all the money I have set aside in my FSAs?

 
Disability
Is my long-term disability benefit taxable?
Will my long-term disability benefits be reduced by other sources of income?

 
Long-Term Care
What is Long-Term Care insurance, and do I need it?

 
Medicare
How do I enroll in Medicare?
What is covered by Medicare Part A?
What is covered by Medicare Part B?
What is a Medicare supplement plan?
Do I need a Medicare supplement plan?
When is the best time to buy a Medicare supplement plan?
What types of Medicare supplement plans are available?
What is covered by each of the 10 different types of Medicare supplement policies?
What is Medicare assignment?
What is the difference between Medicare "risk" and "cost" plans?
Can I use Medicare with an HMO?
How does managed care affect my Medicare coverage?

 
Glossary "What is…?"
coinsurance
copayment
deductible