Hints for Navigating Your Healthcare Plan

It can be easy to forget about keeping our office up to date on changes to your health care plan, but we want to make sure you get the most of your benefits. Here are some tips to help you navigate your Group Benefit Plan: 

  • You have 30 days to notify your plan administrator if you experience any life changes that will affect your coverage (marriage, birth of a baby, lost coverage through your spouse's plan, etc). If you miss the window of opportunity, there will be penalties/restrictions to your or your dependent's coverage. 
  • Your plan covers up to the cost of both brand name and generic drugs that are listed on our national formulary. If you prefer to have the brand name option of a drug when there is a generic available, please ensure that your doctor writes "No Substitutions" on your prescription. This will ensure that you receive the maximum amount of coverage possible on the brand name drug. 
  • Ambulance transportation is covered by your plan. There is a $250 charge for "paramedical assessment" if you call an ambulance (or someone else calls an ambulance on your behalf) and you are nor transported anywhere. this charge is not covered by the plan, so whenever possible, please let the ambulance take you to a hospital so that you're not stuck with the paramedical assessment fee. 

Your employee book contains a brochure with information about our online site called my-benefits. You can use the site to submit claims, check to see how much room you have remaining for each service type, and your next eligible service date, print off new cards, check on the status of all of your submitted claims, and much more. 

 

If you need additional help, please call or email our office and we would be happy to assist you!