Is this considered a group plan?

With respect to the Affordable Care Act (ACA), this medical plan meets the qualifications for affordable health insurance coverage. This is considered a group plan. 

 

When am I eligible for coverage?

New employees are eligible for coverage on the first of the month following 60 Days. However, you must enroll in benefits within 30 days of your eligibility date.

 

Who is eligible to participate?

As an employee, you, your spouse, natural children, step-children, adopted children and/or child you are legal guardian for can participate.

 

How do I enroll?

You can enroll online. The tab listed “Enroll” has the link with instructions on how to enroll.

 

How often can I make changes to my coverage?

You can make changes, including adding or removing dependents at your initial eligibility, at open enrollment or if you have a qualifying life event.

 

What is the effective date of my coverage?

Your coverage will be effective the first day of the month following your eligibility period and positive election. 

 

Will I receive an ID Card?

Yes, an ID card will be mailed directly to your home.

 

How do I pay for coverage?

You will pay for coverage through equal payroll deductions each pay period.

 

What happens to my coverage if I terminate employment?

Benefits Termination as of the date of termination

 

Can I continue coverage after termination?

Yes, you will be able to elect coverage to continue under COBRA. Based on the qualifying event, coverage can stay in-force from 18-36 months assuming you continue making your premium payments.

 

How do I determine what my policy covers?

A summary list of coverage is provided under the tabs My Medical / Pharmacy, My Dental, My Vision, etc. 

 

Are pre-existing conditions covered?

Yes, the medical and Rx program covers pre-existing conditions.

 

How do I find a provider or pharmacy?

A link to network medical / pharmacy providers can be found in the My Medical / Pharmacy tab.

 

Who do I contact with questions?

Please contact Client Support by email at clientsupport@jhbrisk.com or by phone at 855-542-3779.