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faq-_us_sending_office_insurance_benefits [2019/06/06 09:03]
faithciasico [General]
faq-_us_sending_office_insurance_benefits [2020/02/06 13:09] (current)
faithciasico
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 ====== FAQs on US Sending Office Insurance Benefits ====== ====== FAQs on US Sending Office Insurance Benefits ======
  
-Below you'll find answers to the frequently asked questions about the SEND insurance plans. If you have any additional questions, please contact Becca Schlacht directly ([[mailto:bschlacht@send.org|]]) so your question can be answered and potentially added to this list for the benefit of other members. Questions are grouped by topic and this page will continue to be updated.\\+Below you'll find answers to the frequently asked questions about the SEND insurance plans. If you have any additional questions, please contact Becca Schlacht directly ([[mailto:bschlacht@send.org|mailto:bschlacht@send.org]]) so your question can be answered and potentially added to this list for the benefit of other members. Questions are grouped by topic and this page will continue to be updated.\\
 \\ \\
 **Last update**: 10/19/2018 **Last update**: 10/19/2018
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 **Who is Guidestone Financial Resources?** \\ **Who is Guidestone Financial Resources?** \\
-Guidestone Financial Resources is the company that designed our package for medical, dental, life, and disability insurance. To learn more about the organization, click [[http://www.guidestone.org/AboutUs|here]] to visit their "About Us" page.\\+Guidestone Financial Resources is the company that designed our package for medical, dental, life, and disability insurance. To learn more about the organization, click [[https://www.guidestone.org/AboutUs|here]] to visit their "About Us" page.\\
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 **Why do we have this other insurance instead of the plan we had before?** \\ **Why do we have this other insurance instead of the plan we had before?** \\
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 **If I remove my adult child from my SEND insurance, will that lower my monthly premium?** \\ Your premium will be reduced if you are moving from a family plan (head of household, spouse, and children) to a couple plan (head of household and spouse). If you will still have children on your SEND insurance after you remove your adult child, there will be no change. The premium remains the same regardless of the number of children enrolled in the plan. \\  \\ **I lost my card. How do I get a new one?** \\ You can print temporary cards and order new ones by logging on to either your HighmarkBCBS ([[https://www.highmarkbcbs.com/home/|www.highmarkbcbs.com/home/]]) or Cigna Envoy ([[http://www.cignaenvoy.com|www.cignaenvoy.com]]) account online. **If I remove my adult child from my SEND insurance, will that lower my monthly premium?** \\ Your premium will be reduced if you are moving from a family plan (head of household, spouse, and children) to a couple plan (head of household and spouse). If you will still have children on your SEND insurance after you remove your adult child, there will be no change. The premium remains the same regardless of the number of children enrolled in the plan. \\  \\ **I lost my card. How do I get a new one?** \\ You can print temporary cards and order new ones by logging on to either your HighmarkBCBS ([[https://www.highmarkbcbs.com/home/|www.highmarkbcbs.com/home/]]) or Cigna Envoy ([[http://www.cignaenvoy.com|www.cignaenvoy.com]]) account online.
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 ==== EBCFlex (Employee Benefits Corporation) ==== ==== EBCFlex (Employee Benefits Corporation) ====
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 **I have the choice between HRA- Deductible, HRA- Co-Insurance, and HRA- Uncovered Medical? Which one do I choose?** \\ Your selection will depend on what kind of cost is listed on your EOB (Explanation of Benefits). If your EOB lists a cost under the Deductible column, select HRA- Deductible. If the EOB lists a cost under the Co-Insurance column (on Cigna EOB's) or "Health Plan Pays at" with a percentage (on BCBS EOB's) and a cost, you will select HRA- Co-Insurance. If your EOB lists any chiropractic cost (it can be deductible, co-insurance, or co-pay), you will select HRA- Uncovered Medical. If you have two different costs on your EOB (i.e. Deductible and Co-Insurance or two different providers), enter the information for one type and then click "Save". Click "Enter a new claim line" and enter the information for the second type of cost and click "Save". \\  \\ **I have two different providers/members of my family on my EOB. Which do I enter on my claim?** \\ Both. First enter the information for one provider/family member and then click "Save". Click "Enter a new claim line" and enter the information for the next provider/family member and click "Save". Continue to do that until you have entered all of the providers/family members on the EOB. To see this in action, view the How To File a Claim video for members serving overseas. \\  \\ **Can I submit EOB's for my dental work for reimbursement?** \\ Unfortunately, no. The EBCflex Health Reimbursement Arrangement is for medical deductible, co-insurance, and chiropractic expenses. Dental services are not covered under the HRA. \\  \\ **My claim is asking me for a payment order. What do I choose?** \\ If you are submitting a claim for deductible, co-insurance, or chiropractic, select "HRA then FSA". This will first check for any possible reimbursement from the Health Reimbursement Arrangement and then it will check your Flexible Spending Account for funds. \\ If you are submitting a claim for a copay or for covered medical supplies or dependent care, select "FSA" \\  \\ **Can I submit for reimbursement for my prescriptions?** \\ If you serve in the US and have a Flexible Spending Account, you can submit a claim for reimbursement from your FSA account. If you serve overseas or do not have a Flexible Spending Account, unfortunately you cannot receive reimbursement for prescriptions. Regardless of where you serve, you will not be able to receive reimbursement from the Health Reimbursement Arrangement for prescriptions. The HRA only reimburses deductible, co-insurance, and chiropractic costs. \\  \\ **Do I pay taxes on the reimbursements?** \\ No; reimbursements from the HRA are tax-free. \\  \\ **What is the difference between HRA and FSA?** \\ The Health Reimbursement Arrangement (HRA) is an account funded by SEND to reimburse you for medical expenses (deductible, co-insurance, and chiropractic). The Flexible Spending Account (FSA) is pre-tax dollars deducted from your paycheck and set aside in an account where you can submit for reimbursement for medical and dependent care expenses. Dependent care is for expenses, outside of medical, that allow you to work. Check IRS guidelines about dependent care [[http://www.irs.gov/pub/irs-pdf/p503.pdf|here]]. \\ **I have the choice between HRA- Deductible, HRA- Co-Insurance, and HRA- Uncovered Medical? Which one do I choose?** \\ Your selection will depend on what kind of cost is listed on your EOB (Explanation of Benefits). If your EOB lists a cost under the Deductible column, select HRA- Deductible. If the EOB lists a cost under the Co-Insurance column (on Cigna EOB's) or "Health Plan Pays at" with a percentage (on BCBS EOB's) and a cost, you will select HRA- Co-Insurance. If your EOB lists any chiropractic cost (it can be deductible, co-insurance, or co-pay), you will select HRA- Uncovered Medical. If you have two different costs on your EOB (i.e. Deductible and Co-Insurance or two different providers), enter the information for one type and then click "Save". Click "Enter a new claim line" and enter the information for the second type of cost and click "Save". \\  \\ **I have two different providers/members of my family on my EOB. Which do I enter on my claim?** \\ Both. First enter the information for one provider/family member and then click "Save". Click "Enter a new claim line" and enter the information for the next provider/family member and click "Save". Continue to do that until you have entered all of the providers/family members on the EOB. To see this in action, view the How To File a Claim video for members serving overseas. \\  \\ **Can I submit EOB's for my dental work for reimbursement?** \\ Unfortunately, no. The EBCflex Health Reimbursement Arrangement is for medical deductible, co-insurance, and chiropractic expenses. Dental services are not covered under the HRA. \\  \\ **My claim is asking me for a payment order. What do I choose?** \\ If you are submitting a claim for deductible, co-insurance, or chiropractic, select "HRA then FSA". This will first check for any possible reimbursement from the Health Reimbursement Arrangement and then it will check your Flexible Spending Account for funds. \\ If you are submitting a claim for a copay or for covered medical supplies or dependent care, select "FSA" \\  \\ **Can I submit for reimbursement for my prescriptions?** \\ If you serve in the US and have a Flexible Spending Account, you can submit a claim for reimbursement from your FSA account. If you serve overseas or do not have a Flexible Spending Account, unfortunately you cannot receive reimbursement for prescriptions. Regardless of where you serve, you will not be able to receive reimbursement from the Health Reimbursement Arrangement for prescriptions. The HRA only reimburses deductible, co-insurance, and chiropractic costs. \\  \\ **Do I pay taxes on the reimbursements?** \\ No; reimbursements from the HRA are tax-free. \\  \\ **What is the difference between HRA and FSA?** \\ The Health Reimbursement Arrangement (HRA) is an account funded by SEND to reimburse you for medical expenses (deductible, co-insurance, and chiropractic). The Flexible Spending Account (FSA) is pre-tax dollars deducted from your paycheck and set aside in an account where you can submit for reimbursement for medical and dependent care expenses. Dependent care is for expenses, outside of medical, that allow you to work. Check IRS guidelines about dependent care [[http://www.irs.gov/pub/irs-pdf/p503.pdf|here]]. \\
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-**What are eligible Dependent Care expenses?** \\ The primary purpose of care must be to provide custodial care while you work, if you are gainfully employed. This means that the care is for the well-being and protection of the dependent. Services include au pairs, nannies, daycare, day camps, babysitters (if care is provided in order for participant to go to work), nursery schools, and preschools. \\  \\ **What Dependent Care expenses are not reimbursable?** \\ Examples of expenses that do not qualify for reimbursement are ancillary expenses such as fees for food, art supplies, clothing, field trips, kindergarten, education expenses, child care while on vacation, and overnight camps. \\+**What are eligible Dependent Care expenses?** \\ The primary purpose of care must be to provide custodial care while you work, if you are gainfully employed. This means that the care is for the well-being and protection of the dependent. Services include au pairs, nannies, daycare, day camps, babysitters (if care is provided in order for participant to go to work), nursery schools, and preschools. \\  \\ **What Dependent Care expenses are not reimbursable?** \\ Examples of expenses that do not qualify for reimbursement are ancillary expenses such as fees for food, art supplies, clothing, field trips, kindergarten, education expenses, child care while on vacation, and overnight camps.
  
 ==== Cigna Global ==== ==== Cigna Global ====
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 **I brought my BCBS card to my pharmacy and they said I don't have prescription coverage. What do I do?** **I brought my BCBS card to my pharmacy and they said I don't have prescription coverage. What do I do?**
  
-Your prescription coverage is through Express Scripts, not Highmark BCBS. You will need to give your pharmacy your Express Scripts card, not your Highmark BCBS card. If you don't have an Express Scripts card, you can either call them at 800-555-3432 or go online and print a temporary card ([[http://www.express-scripts.com|www.express-scripts.com]]). The Guidestone group number is ABSBC01 and your Rx Bin number is 610014. \\+Your prescription coverage is through Express Scripts, not Highmark BCBS. You will need to give your pharmacy your Express Scripts card, not your Highmark BCBS card. If you don't have an Express Scripts card, you can either call them at 800-555-3432 or go online and print a temporary card ([[http://www.express-scripts.com|www.express-scripts.com]]). The Guidestone group number is ABSBC01 and your Rx Bin number is 610014.
  
 ===== Life Insurance ===== ===== Life Insurance =====
faq-_us_sending_office_insurance_benefits.1559801038.txt.gz ยท Last modified: 2019/06/06 09:03 by faithciasico

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