Health Insurance
We offer Health and Dental Insurances through United Health, Choice Plus HRA(P3-H) plan. Below are the relevant enrolment instructions.
Insurance Enrollment form: http://www.suretechinc.com/uhc_enrollment_form.pdf
Insurance Benefits Brochure: http://www.suretechinc.com/uhc_benefits_brochure.pdf
Sample Insurance Enrollment Form: http://www.suretechinc.com/sample_form_uhc_enrollment.pdf
Please fill in the form to indicate your Medical and Dental options; and email/fax the form back to us. Please also email/fax a copy of the same to our insurance agent, Jenn Paton, whose contact information is provided below.
Please use the fillable features of the form, rather than hand-filling the form, in order to avoid any spelling mistakes in the data entry process. For your convenience, we are also providing you with a sample filled out form, so that you can validate which sections of the form to fill out.
This is a high-deductible insurance plan, with up to first $7,000 of medical expenses not covered by the insurance plan for those with family coverage (and $3,500 for those with individual). Therefore, we strongly recommend you to enroll into a supplementary plan Flexible Savings Account, that we are also offering, along with this medical/dental insurance plan.
All contributions made to United Health Insurance premiums and Flexible Savings Arrangement are pre-tax dollars under cafeteria plan.
FSA Plan (Flexible Savings Arrangement)
If you are contributing the right amounts into FSA, you may not have to pay a single penny, out of pocket, for any co-pays or prescription medicines or dental visits. When you enroll into this Flexible Savings Arrangement plan, you will receive a Debit Card from a company called PrimePay. Whenever you or your any of your family members go for a doctor visit or dentist visit or hospitalization or a pharmacy store or a lab test, simply present your FSA debit card along with your insurance card. If you contribute $400 for month, it will cover your medical expenses upto $4,800 from the next day. If you are going to incur maternity or other major expenses, you will need to increase your FSA contributions judiciously. You can’t make any changes to the insurance plan or FSA during the middle of year.
FSA Enrollment form: http://www.suretechinc.com/fsa_enrollment_form.pdf
Sample FSA Enrollment form: http://www.suretechinc.com/sample_form_fsa_enrollment.pdf
Please send the filled in and signed enrollment form to Sure Tech Services for Suresh's signature. The enrollment form will send to PrimePay after employer's signature.
Health Insurance Agent and Contact information: Should you have any questions or issues associated with the health insurance enrolments, please contact Jenn Paton from Foster Thomas. She is the point of contact for any health insurance related questions. Her contact number is 800-372-3626; fax number is 800-982-7001; and email address is jp@fosterthomas.com.
FSA Contact information: Should you have any questions or issues associated with the Flexible Savings Arrangement, please call 877-7MY-FLEX; and email it to primeflex@primepay.com.
Whenever you are contacting the insurance, please copy us on your communication.
Insurance Effective Date: Insurance must be effective from 1st of the month following the hire date. If you need any different effective date, just put down the insurance coverage date, with out the hire date; and check with the Insurance agent for the details and possibilities.
We need the signed insurance waiver, even though you don’t need any kind of insurance coverage. Please fill in the name, social and address in Section A of the enrolment form; declare the same in Section F, along with the reason for the coverage denial. Initial and date the section. Sign and date in section G and fax it to us.
Health Plans and Premium Amounts: We are offering PPO Medical and Dental Insurance plans from United Health Insurance. Listed below are the premiums for these plans. You may choose either/none of these plans (Medical/Dental) for all/any/none of the family members. You are not obligated to take both of the plans for all of the members. You are allowed to pick and choose the combination of specific insurance plans that suit your needs. Please note that we are not offering various other insurance plans that are listed on the form, such as Vision, Life and others; hence, leave them as blank.
Plan Type Premium
Medical
EMPLOYEE $ 202.34
EMPLOYEE & SPOUSE $ 465.38
EMPLOYEE & CHILD $ 364.21
EMPLOYEE & FAMILY $ 578.69
Dental
EMPLOYEE $26.92
EMPLOYEE & SPOUSE $57.10
EMPLOYEE & CHILD $53.84
EMPLOYEE & FAMILY $86.77
*The above premiums are valid from 05/01/2011 to 04/31/2012
Annual Open Enrolment: But, please understand that you will not be able to make any further changes to your choices later on, until the next annual open enrolment for the annual period that starts from May 2012; unless there is a life-change event such as marriage, child-birth, etc. You need to use the same enrolment form for enrolments, coverage waivers and coverage changes. Any annual enrolment changes for the next annual period must be made by first week of April 2012.
Enrolment Brochure: Also, attached is an enrolment-brochure with information on late enrollments and exclusion criteria for pre-existing conditions. This document also contains overview of Benefits coverage for both Medical and Dental plans.
Instructions to fill the enrolment form: Please follow the below mentioned instructions to fill out the enrolment form. We are herewith attaching a sample filled out form, for your kind reference.
1. Section A: Fill out height, weight and smoking questions. You are allowed to go to any doctor in the network, because of the kind of plan that we are offering -- United Health Choice plus PPO. So, you don't need to specify the physician’s name. Fill out all the relevant sections in the Section B family information.
2. Section B: Fill out the family information for all the members for which you are seeking the coverage.
3. Section C: Choose the kind of coverage that you need. We are offering Medical and Dental plans.
4. Section D: Choose YES and fill out the details of your current Health Insurance plan. If you are covered under any other individual insurance plan, put down the name of that insurance plan and put down the details of your spouse, under the name and date of birth of the policy holder.
5. Section E: Fill out the medical history of all the family members. You will need to complete this section by hand, after filling up the rest of the sections. Mention the name of the member having the medical history in the second table.
6. Section F: If you are declining the coverage either for yourself or for any of the family members, mention it in Section F, along with the reason for the coverage denial. Put down your initial and date the section.
7. Section G: Sign and date the section. If you are married, the signature of your spouse is also required.
UHC offers online access: After your enrolment process is complete, you will be able to create an online account; create temporary Insurance ID Cards, identify network doctors, etc. Please check out the following links for further instructions to create an online account.
http://www.suretechinc.com/uhc_onlineaccess_instr.pdf
Listed below are few relevant sites for the online access to UHC plans.
http://www.uhc.com/findaphysician.htm
https://www.geoaccess.com/uhc/po/Default.asp
Point of contact after enrolment: After receiving your ID cards, if you have any insurance related questions, please call the UHC customer service number located on the back of your card. If they are any issues that they are unable to assist you with; and/or you are asked to contact the employer for further assistance, please call Jen Paton, our insurance agent for receiving the suitable service.
FAQs on Medical Insurance and FSA:
Q: 1 Why are we
offering this high deductible plan?
A: For lower insurance premiums... We are offering this plan to
defend our employees from ever rising insurance premiums; and to
save money overall for our employees. Because this is a high
deductible insurance plan, you would also want to enroll into
Flexible Savings Arrangement account, in order to sufficiently
protect yourself from medical expenses. For example, if you enroll
into Flexible Savings Arrangement with $400 per
month of FSA contributions, together with this high deductible
insurance plan: Beginning from the first day of your coverage, you
do not need to pay a single penny out
of your pocket, up to $4,800 per year.
Q: 2 Are there any pre-existing conditions with the insurance plan?
A: No, there are no pre-existing conditions, as you long you have
other continuous coverage without any lapse for one full year.
Q: 3 What if I don't enroll into FSA Plan?
A: If you have family
coverage, you are responsible for up to the first $7,500 expenses,
after which the insurance will start paying, as long as you are taking
services from the service providers who are within UHC network. To completely
understand your insurance benefits, please check out the
aforementioned insurance benefits brochure.
Q: 4 What do you recommend as monthly FSA contribution?
A: For an individual, we recommend an FSA contribution of $100-$200 per month; and for Family $300-$400
per month. The maximum allowed
FSA contribution is $400 per month.
Q: 5 Under the current insurance plan, what are going to be my out of pocket expenses
on prescription medicines?
A: If you don’t have FSA, the cost for brand name prescription is
$35/$60; and for generic, it is $10. If you enroll into FSA, you
will not incur any out of pocket expenses; simply present your FSA Debit
card at the counter along with your prescription card.
Q: 6 My spouse and I both work. I would like to set up my dependent
care expenses as pre-tax:
A: At this time, we are only offering medical FSA , as pre-tax
account. If you are interested in setting up separate account to
claim dependent care expenses as pre-tax, please send an email to
us.
Q: 7 Will me and my spouse get
separate FSA debit cards? I would like my spouse to be able to go
for a doctor visit or get prescription medicines, without having to
pay anything out of pocket.
A: Yes, when you enroll into FSA, you and your spouse will get
separate FSA Debit cards, along with separate insurance cards and
separate Dental Cards.
Q: 8 The benefit summary plan says: No one in the family is eligible for
benefits until family deductible is met. Family deductible is
$7,000. So, should my family meet $7000 deductible first, before we
can receive insurance benefits for any one in family? Even though my
wife meets $3500 deductible, will she not get any benefits from
plan, until the family as a whole meets the deductible?
A: Yes and Yes. This is the reason why the high deductible plan
costs less; and why you should enroll into FSA, in addition to the
insurance. Along with the medical insurance plan, if you contribute $400
per month towards FSA, you will not have to pay a single penny out
of your pocket up to $4,800 per year. For a typical family without any
hospitalizations, that amount is good enough to cover year-round
medical expenses. However, if you incur a major and unexpected hospitalization,
FSA will pay for up to $4,800 per year; you will need to pay $2,200
per year out of
your pocket, before insurance will begin to contribute. This
is only rough illustration of your insurance benefits. To completely
understand your insurance benefits, please check out the
aforementioned insurance benefits brochure.
Q: 9 Is a single member in the family eligible to use all the FSA
benefit eligible per year? Are there any limits per
individual within the family?
A: Yes, it is possible for any one in the family to use all the FSA
benefits. No, there are no limits per individual.
Q: 10 How important
is it to go choose service providers that come under United Health
Network?
A: Very important. To completely understand your insurance benefits,
please check out the aforementioned insurance benefits
brochure.
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