Group Insurance Plans FAQ:
Important Information

Eligibility and Coverage

How do I know if I am eligible to join any of your group benefit plans?

All full-time employees (averaging 30 or more hours/week) are eligible to join the health, dental, or vision plans offered.

What are the group benefit options being offered?

Health Insurance: You have the option to choose between five health plans offered through the First Health PPO network (MEC Basic, MEC Plus, MEC Enhanced, Hospital Indemnity, and MVP).
Dental Insurance: Delta Dental PPO plan.
Vision Insurance: VSP Vision plan.

What paperwork is required to accept or decline the group benefit plans?

ALL full-time employees must submit a completed enrollment form/s or a declination form/s through your myTime employee portal.

What if I start Part-Time and my hours change to Full-Time?

If your part-time status changes to an average of 30 hours per week or more at any time during your employment, and you are interested in our group insurance plan, you may join by applying within 30 days of your change in status. Your effective date will be the first day of the following month. If you miss this deadline you may still join the plan during our open enrollment period at the end of the year.

Can I cancel my health, dental, or vision coverage?

You may cancel your coverage during Open Enrollment. After Open Enrollment, you cannot cancel your coverage once enrolled unless you experience a qualifying event such as recently acquiring other coverage and changes in your family size (marriage, divorce, or birth of a child). You must provide proof of the life-changing event within 30 days of that event.

Can I add a dependent to my health, dental, or vision plan?

During Open Enrollment you may add dependents to any of your plans. After Open Enrollment, if your dependent loses coverage or if you gain a new dependent through birth, adoption, or marriage, you may enroll the new dependent at that time. You must provide proof of the life changing event within 30 days of that event.

Can I enroll in health, dental, or vision coverage at a later date if I experience a life-changing event?

Yes, you may enroll if you have a qualifying event such as marriage, divorce, or the birth of a child provided you enroll within 30 days of the qualifying event. If you are covered under another plan but that coverage is lost, you can enroll in our group health plan within 30 days of losing the other coverage.

What happens if my employment ends?

If your employment ends, your insurance will be discontinued at the end of the month. You may elect to continue your coverage through COBRA. If you already received your last check, then we will adjust your federal and/or state withholding to reflect your additional charge or refund.

Can I select a group Delta Dental plan or VSP Vision plan without selecting a health plan?

Yes.




Group Health Plans FAQ

When will my health coverage start if I started employment before 12/31/23?

Coverage will be effective 1/1/24. Deadline to return an enrollment form is 12/13/23. Please keep in mind that returning your enrollment form in December will cause an increase in your weekly premium deduction during the month of December depending on the number of remaining payroll periods.

When will my health coverage start if I started employment on or after 1/1/24?

Your coverage will be effective on the first of the month following a waiting period of 60 days after your start date.

What are the benefits of my health plan options and what do they cover?

Refer to the Benefit Handbook for information.

Where do I find medical provider information?

To locate in-network Physicians or Hospitals within the First Health PPO Network call 1-888-561-5759 or visit www.providerlocator.com/palicfh to search online.

How do I check if my prescriptions are covered?

For Questions or drug look-up go to www.rxedo.com or call 1-888-879-7336.

What is the cost for the health plans?

Refer to the Pricing Comparison Table.

How will my health plan premium be deducted from my payroll?

We will deduct your premium on a pre-tax basis through weekly payroll deductions on the first four payrolls of each month. Deductions will start one month prior to your effective date since the plan requires that all monthly premiums be paid in advance. Should you work less than 4 weeks in any month or enroll in coverage after deductions should have begun, your weekly premium may be adjusted in order to cover your full month’s premium. Should your premiums be overpaid, they will be reimbursed should your assignment end. If you already received your last check, then we will adjust your federal and/or state withholding to reflect your additional charge or refund.

What happens to my deductions if I started employment before 12/31/23 and return my health enrollment form in December 2023?

Your weekly deductions will begin the first payroll period of December provided we receive your enrollment form before 12/1/23. If we receive your enrollment form in December 2023, payroll deductions will be adjusted for the month of December to cover the monthly premium.





Group Delta Dental Plan FAQ

When will my Delta Dental coverage start if I started employment before 12/31/23?

Coverage will be effective 1/1/24.

When will my Delta Dental coverage start if I started employment on or after 1/1/24?

Your coverage will be effective on the first of the month following a waiting period of 30 days after your start date.

Where do I find provider information?

Visit Delta Dental Find-a-Dentist to locate an in-network PPO dentist.

What will the Delta Dental plan cover?

Refer to the Delta Dental Information Packet for more information.

Brief Description of the Delta Dental Plan

There is a $1,000 calendar year maximum and $50 calendar year deductible per person.

What is the cost for Delta Dental?

Refer to the Pricing Comparison Table.

How will my dental premium be deducted from my payroll?

We will deduct your premium on a pre-tax basis through weekly payroll deductions on the first four payrolls of each month. Your weekly deductions will begin the first payroll period of the month. Should you work less than 4 weeks in any month, your weekly premium may be adjusted in order to cover your full month’s premium. Should your premiums be overpaid, they will be reimbursed should your assignment end.






Group Vision Plan FAQ

When will my VSP group vision coverage start if I started employment before 12/31/23?

Coverage will be effective 1/1/24.

When will my VSP group vision coverage start if I started employment on or after 1/1/24?

Your coverage will be effective on the first of the month following a waiting period of 30 days after your start date.

Where do I find providers for the VSP group vision plan?

Visit VSP Find a Doctor to locate an in-network doctor.

What will the VSP vision plan cover?

Refer to the VSP Vision Package for more information.

Brief Description of the Vision Plan

Includes a $10 co-pay WellVision exam and coverage for prescription glasses.

What is the cost for Vision coverage?

Refer to the Pricing Comparison Table.

How will my vision plan premium be deducted from my payroll?

We will deduct your premium on a pre-tax basis through weekly payroll deductions on the first four payrolls of each month. Your weekly deductions will begin the first payroll period of the month. Should you work less than 4 weeks in any month, your weekly premium may be adjusted in order to cover your full month’s premium. Should your premiums be overpaid, they will be reimbursed should your assignment end.

Who do I contact if I have any questions?

If you have any questions, please contact our insurance team at 562-284-5333 or email customerservice@americanmedicalplan.com.