FREQUENTLY ASKED QUESTIONS
Can I decline the dental or vision benefit for 2006?
You can decline either benefit, but your decision will remain in effect for calendar years 2006 and 2007, unless you experience a qualified family status change. This form defines what is a qualified change and it gives you the process by which you can notify us of such a change.
What time period is associated with benefit choice costs?
All amounts shown are calendar-year costs and will be deducted on that basis from the number of 2006 pays you receive.
Can I choose dental coverage and not medical coverage?
Yes. You can opt out of the medical plan, but you must complete the Medical Waiver Form and provide proof you have other medical coverage in effect.
What are some of the things I should take into consideration when deciding whether an HMO or a PPO is right for me and my family?
An HMO requires the selection of a primary care physician for each member of the family from the HMO provider directory. This primary care physician is responsible for coordinating all medical care and hospitalization. Should an HMO member choose to use a provider who is not a part of the HMO network, he or she would be responsible for the total charge. HMOs do not require annual deductibles and typically offer a wide variety of preventative health care.
A PPO offers in- and out-of-network benefits. Services rendered by an in-network provider will result in lower out-of-pocket costs to the member than those services received from an out-of-network provider. In-network expenses other than office calls and prescription drugs are subject to an annual deductible and a 10 percent co-insurance. Out-of-pocket maximums are also available to assist with catastrophic heath care cost. Services rendered by a non-network provider have a higher deductible and out-of-pocket maximum and 30 percent co-insurance.
My confirmation shows "3 Emp/Child(ren)." What does this mean? I have only two children. Should I be concerned?
The "3" Emp/Child(ren)" is a code used in PeopleSoft. It does not reflect the number of children enrolled in your plan. Instead, refer to the Dependent/Beneficiary Section of your confirmation for verification of enrollment.
In the Dependent/Beneficiary Section of my confirmation, it shows my beneficiary is eligible for "ADD2." What does that mean?
That is a code for Accidental Death and Dismemberment. The two indicates the amount is equal to two times your annual benefits salary.
I have a question that is not here. Who can I call?
Call any of the people below during normal business hours.
* Externally, dial 330-972 and the extension listed.
