常见问题解答
The following information provides a summary of commonly asked questions, but you must consult your plan documents for full details about eligibility and coverage.
At UNE your benefits start on the first day of the month after your hire date (the first day you worked); if your hire date is the first of the month, 那么你的福利从第一天上班就开始了.
如概要计划描述中所述, all regularly budgeted full- and half-time individuals are eligible for benefits. 然而, the Affordable Care Act provides that some part-time professional staff averaging 30+ hours per week may also become eligible for health benefits. You may also direct questions about eligibility to your 人力资源 Representative.
是的, whether you are electing or declining benefits you still need to complete the Benefit Election Form.
是的, same-sex or opposite-sex Domestic Partners may participate in the University’s health and dental insurance programs if they meet the Domestic Partner qualifications and complete the Domestic Partner Affidavit. 然而, they may not participate with the same pre-tax advantages as couples who are married. Same-sex and opposite-sex married couples participate in the health, 视力和牙科计划处于同一水平.
Each year UNE offers an open enrollment period during which you can make changes to your benefits. This period typically lasts the month of November 1 through November 15, 由此产生的变化发生在1月1日. You can also make changes within 30 days of a qualifying event. Qualifying events are generally life events that make you or one of your dependents eligible or ineligible for benefits; examples of qualifying events are marriage, 离婚, 开始新工作, 前一份工作结束, 孩子的出生或收养, 等. You may need to provide documentation of the qualifying event to establish the eligible dates for making changes to your benefits package.
No, vision insurance is separate from your medical assurance plan. If you wish to have vision insurance coverage you must elect it at your time of hire and/or during Open Enrollment. 访问 the vision section of our benefits website to view plan details and a list of in-network providers. 如果你还购买了牙科保险, there is an additional vision benefit that offer discounts, but cannot be used at the same time as your vision insurance (if elected).
请参阅 寻找供应商(PDF) 摩天观景轮. Look for providers listed in the Open Access Plus, OA Plus, ChoiceFund OA Plus network.
请查看当前 福利指引(PDF) or Summary of 好处 for coverage details if you need to see a medical provider who is out of network. There is limited coverage if you see a medical provider who is out of network.
No, you have the option of canceling your UNE health coverage and taking your Medicare benefits or keeping both UNE health coverage and Medicare coverage. 南缅因老龄问题机构 is an excellent resource for information regarding Medicare, but you are welcome to contact your HR representative if you have questions regarding your UNE health insurance coverage once you turn 65. Please remember that you cannot have the HSA medical plan if you have other coverage, 包括医疗保险A部分.
If you have a change in your mailing address promptly update your address using U-在线. We will need to update your address with the health, vision and dental insurance carriers. If you previously participated in our 美国教师退休基金会 retirement plan, you will need to contact 美国教师退休基金会 directly; their number is (800) 842-2252.
是的, under the Affordable Care Act children may remain on your health, vision and dental insurance plans until the end of the month they turn 26. 如果他们在工作或结婚，这也是正确的.
No, all Medical FSA funds must be used and reimbursed by 12/31 if you have elected an HSA plan for the following calendar year.
是的.
No, if you are enrolled in an HSA medical plan a Medical FSA is not allowed. A Dependent Flexible Spending Account is allowed, however.