FAQ’S REGARDING MEDICAL BENEFITS FOR
MANAGEMENT CONFIDENTAL EMPLOYEES
Q. What qualifies me for medical benefits?
A.
· If you are employed full time with an appointment which exceeds 6 biweekly pay periods or
· If you are a part-time employee working at least 50% time with an appointment which exceeds 6 biweekly pay periods.
Q. How do I enroll for medical benefits?
A. Shortly after you begin employment, you will receive an invitation from the staff of Employee Benefits to attend an orientation session. This is a benefits information session at which time you can ask questions and complete forms. If for some reason you are not contacted by the benefits office within two weeks you should contact the benefits team at 777-4850.
Q. When do my medical benefits go into effect?
A. Your medical including prescription drug benefits will go into effect on your 57th day of employment. Enrollment forms must be completed within your first 56 days of employment in order to avoid a late enrollment waiting period.
Q. When does my dental and vision benefits go into effect?
A. Dental benefits have a 6 month waiting period and vision benefits have a 56 day waiting period.
Q. What does my coverage include?
A. Hospitalization, medical, surgical, and prescription drug coverage. Vision and dental coverage is provided by New York State.
Q. What is the cost to have this insurance?
A. You are offered two levels of coverage: individual and family and four options for health insurance carriers.
At this time, the State pays the largest portion of the cost of your coverage.
Current Biweekly Premium Rates can be found at http://www2.binghamton.edu/human-resources/employee-benefits/health-insurance-rates.html
All health plan premiums are deducted on a pre-tax basis unless specifically declined by an individual employee. All of our plans cover pre-existing conditions.
Q. What is the difference between having my health insurance premiums deducted on a pre-tax or post-tax basis?
A.
· Pre-tax status allows you to have your health insurance premiums deducted on a before tax basis. Participation in this program may lower your taxes. However, it will limit some types of voluntary changes you can make to your plan outside of the option transfer period.
**Please note: Pre-tax status will also reduce your social security income.**
· Post-tax status means that you will pay taxes on your premium amounts, but it will allow you to make voluntary changes in your plan outside of the option transfer period.
Q. If I select one health insurance plan and at a later date decide that particular plan is not right for me, can I make a change?
A. Yes, once a year (during the month of November) there is an option transfer period. This is the time in which you can change your health insurance option for any reason. The change will then take effect with the start of the New Year.
*Contact Human Resources at 777-4850 for any exceptions to this rule.
Q. When can I change my health coverage level?
A. You can enroll for insurance or change from individual to family at anytime; however, the effective date is dependent upon the reason for the change.
· With prompt notification of a qualifying event, the change could be effective as of the date of the event or shortly thereafter.
· Without prompt notification or without a qualifying event, the effective date may be as long as 10 weeks from the request date.
Change from family to individual or to cancel insurance completely
· If you are pre-taxing, you may change with prompt notice of a qualifying event or during option transfer period only.
· If post-tax, you may change at anytime.
Q. What is considered a qualifying event?
A. A change in family status (e.g. marriage, birth, death, divorce, or only dependent child’s attaining the maximum age for coverage).
· If you are enrolled in an HMO and you no longer live or work in the HMO’s service area, you must choose another HMO or the Empire Plan.
· Your spouse loses coverage due to termination of employment
· You first become eligible for health insurance coverage
· Your employment with the State terminates
· Your spouse has a change in employment status which results in either acquiring or losing eligibility for health insurance coverage
· You receive a divorce/legal separation and are required under court order to provide insurance for your eligible dependent children and/or legally separated spouse.
Q. Who qualifies as a dependent?
A. Eligible dependents include your spouse, same or opposite sex domestic partner, your children up to the end of the month in which they reach age 26, which includes your natural children, legally adopted children and dependent step children. Please contact Human Resources (777-4850) to ask about eligibility for ‘other’ dependents.
Please note dependent eligibility is different for dental and vision benefits.
Q. Who qualifies as a domestic partner?
A. Your same or opposite sex domestic partner who must be 18 years of age or older, unmarried and not related in a way that would ban marriage. You must be living together, involved in a lifetime relationship and financially interdependent. At the time of application, you must have been in this partnership for 6 months. You must be able to prove both residential and financial interdependence.
Please note that there are tax implications, referred to as “imputed income”, when adding a domestic partner. For further information please go to: http://www2.binghamton.edu/human-resources/forms/index.html, then select the Domestic Partnership forms under the alphabetical list.
Q. What information do I need to enroll my dependents?
A. You must provide the following document(s) as applicable:
· Yourself – social security card
· Spouse - Marriage certificate (if married more than 1 year, also required is proof of financial inter-dependence within the year), social security card AND birth certificate.
· Other dependents - social security card AND birth certificate.
Additional information is required to enroll a domestic partner, please ask for a special packet of information from Human Resources or go to http://www2.binghamton.edu/human-resources/forms/index.html, then select the Domestic Partnership forms under the alphabetical list.
Q. Do we have prescription drug coverage?
A. Yes, your prescription benefit is dependent upon the health insurance plan that you choose. Each plan has a 3 tiered plan and each includes option for retail or mail service. See specifics on each plan in the Choices book in Human Resources or at http://www.cs.state.ny.us/ebd/ebdonlinecenter/choices11/actives/actives_choices_set_11.pdf
Q. Who provides my vision and dental benefits?
A. Coverage for these benefits are administered by New York State. These benefits are free to you and any eligible dependents, but coverage is not automatic. You must enroll and provide the necessary documentation. Children are eligible up to age 19 and from 19 to 25 only if they are enrolled as a full-time student.
Dental benefits are paid by GHI and include partial reimbursement for services through participating and non-participating providers.
Vision benefits are paid by EyeMed.
Q. What should I do if my health insurance deduction is incorrect or if I have a question regarding the amount?
A. Contact the Human Resources Office right away, email or .
Q. If my employment at Binghamton University ends, when will my insurance benefits end?
A. Health and prescription drug coverage, as well as dental and vision will end 28 days from the last day of the pay period in which you are on the payroll.
.
Q. What is a premium?
A. A premium is the amount of money that you, the employee, will pay for your insurance. This amount will be deducted from your paycheck on a bi-weekly basis.
Q. What is a co-payment?
A. It is a routine out-of pocket expense that the enrollee/patient pays when using a participating provider.
Q. What is a deductible?
A. The amount of out of pocket expenses you must pay before your insurance
will begin to pay. This is only applicable when using an out of network
provider under the Empire Plan.
Quick reference list of phone numbers and web sites
NYS Dept. of Civil Service
Division of Employee Benefits
Alfred E. Smith Office Building
Albany, NY 12239
800-833-4344
General benefits information & updates
COBRA (continuation of health insurance coverage after separation from service / loss of eligibility)
www.cs.state.ny.us
HEALTH INSURANCE/ PRESCRIPTIONS
Empire Plan
Empire Blue Cross & Blue Shield Hospital & related services GROUP# YLS
New York State Service Center 1-877-769-7447
PO Box 1407
Church Street Station New York, NY 10008-1407
www.empireblue.com check on your claims, policies, etc.
Must call before maternity or scheduled admissions; within 48 hours of an emergency/urgent hospital admission
United HealthCare
Basic medical/surgical GROUP# 030500
PO Box 1600
Kingston, NY 12402-1600
1-877-769-7447
www.cs.state.ny.us general information, participating providers
www.myuhc.com check on your claims, policies, etc.
Managed Physical Medicine Program
must call before receiving chiropractic/physical therapy
Magnetic Resonance Imaging (MRI) review
must call before scheduling an elective MRI
UHC/Medco
Prescription drugs
Home Care Advocacy Program
must call for home care, durable medical equipment, certain medical supplies
Value Options (administrator for GHI)
must call for non-emergency mental health or substance abuse services
HMO Blue
Hospital, medical, surgical, preventive
PO Box 22999
Rochester, NY 14692
800-447-6269
www.bcbscny.org
MVP
Hospital, medical, surgical, preventive
PO Box 2207
625 State Street
Schenectady, NY 12301-2207
800-TALK MVP (825-5687)
www.mvphealthcare.com
CDPHP
Hospital, medical, surgical, preventive
Patroon Creek Corporate Center
1223 Washington Avenue
Albany, NY 12206-1057
800-993-7299
www.cdphp.com
OTHER PROGRAMS
Flex Spending Accounts:
- Health Care Spending Account Pre-tax savings for unreimbursed medical expenses
- Dependent Care Advantage Account Pre-tax savings for child- and elder-care expenses
800-358-7202
www.flexspend.state.ny.us
Long Term Care Insurance:
- NYPERL:New York State Public Employee & Retiree Long-term Care Insurance Plan
866-474-5824
https://www.yourlongtermcare.com/groups/group/index.jsp?accessCode=url1zz
Long Term Disability (Standard Insurance Co.)
- UUP, M/C
800-426-4332 x4643
Group Health Inc. (GHI dental)
PO Box 2838
New York, NY 10016-2838
800-947-0101 or www.ghi.com
EyeMed Vision Care
4000 Luxottica Place
Mason, OH 45040-7111
877-226-1412
NYS Employees’ Retirement System (ERS)
110 State Street
Albany, NY 12244-0001
1-866-805-0990
www.osc.state.ny.us
TIAA CREF
720 Third Avenue
New York, NY 10017
800-842-2733
www.tiaa-cref.org
Fidelity
800-343-0860
http://enrollonline.Fidelity.com code 72777
VALIC
800-448-2542
www.aigvalic.com
MetLife
866-294-0807
www.metlife.com
NYS Deferred Compensation Plan
CitiStreet Associates
800-422-8463
www.nysdcp.com
OTHER NUMBERS
New York’s College Savings Program
Tax-deferred savings for higher education
877-697-2837
Social Security Administration
retirement, other related information
800-772-1213
www.socialsecurity.gov
Accident Reporting System (ARS)
NY State Insurance Fund
2001 Perimeter Rd East, Bldg 16
Endicott, NY 13760
(local office, unit 283) FAX 607-741-3918
888-800-0029 work-related injuries/illness
607-741-3900 Workers’ Compensation benefits
Updated 07/01/08