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LE VOSTRE DOMANDE – LE NOSTRE RISPOSTE

When am I eligible to enroll?


You are eligible to enroll in insurance 60 days after the first of the month but not beyond 90 days. For example, if you are hired February 17th, you would be eligible on May 1st.




What is the benefit of Passport to Health?


The overall benefit of utilizing the Passport to Health is for… your health! There is a program in place with this website that is run by Attentive Health as part of our insurance plan. Whether you are going to enroll in our offered insurance or not, the wellness program is available for all insurance-eligible employees. Our health coach is Katherine Uhland. She can be reached at katherine@attentivehealth.com.




What do I need to fill out if I am not enrolling in the insurance plan?


The enrollment form still needs to be completed with the Waiver section filled out. The beneficiary form for the life insurance that SVS enrolls you in on your behalf at no extra cost to you, also needs to be filled out. All other forms are voluntary to fill out, should you choose to opt for those programs.




What is a DCA?


DCA stands for Dependent Care Account. The DCA is pre-tax benefit account that is used to pay for daycare for kids or adults, after-school care, camps, and preschool. Unlike the FSA, the DCA will only have the amount of funds available in your account that have currently been deducted from your pay. Please contact HR for details on the reimbursement process for this account. The maximum allowed to contribute is $5,000 if you are married and filing jointly or if you are a single parent. If you are married and filing separately, you may contribute up to $2,500 per parent.




What is an FSA?


FSA stands for Flexible Spending Account. The FSA is a pre-tax benefit account that is used to pay for eligible medical, dental, and vision care expenses that are not covered by your health plan or elsewhere. You decide how much you want to contribute to your FSA based on how much you plan to spend in the upcoming year on out-of-pocket medical, dental, and vision care expenses. The maximum amount you can contribute in a year is $2,750 (per individual) and a minimum of $100. The full amount that you have chosen to have deducted from each paycheck over the course of the plan year is immediately available in your account once the eligible period begins. Once the plan year has ended, there is a grace period of 3 months to use up the money that might be left in your FSA account for medical claims incurred in the original plan year. If you have $500 or more left in your FSA account, only $500 will carry over into the next plan year. Any monies above the $500 after the grace period will be forfeited.




Do I need dental, vision, or other coverage?


Adding other insurance is not required. These options are there for your benefit. Benefits that are considered supplemental or ancillary are employee paid. Dental and vision are not included in the regular medical insurance.




What is a Qualifying Life Event (QLE) in order to join the insurance program after my initial eligibility date has passed and without waiting for the Open Enrollment period?


A QLE is change in your situation like getting married, having a baby, or losing health coverage will make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment period.




What type of insurance plans do we have (HMO, PPO, EPO, etc.)?


Our insurance plans are PPO plans. Here's a table that shows the basic differences between an HMO, PPO and EPO plans: (Note, PCP stands for Primary Care Physician)




What does a “deductible” mean?


​​​​​​The deductible is the amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services. After you pay your deductible, you pay the coinsurance until you have reached the out-of-pocket maximum. The next question is typically “how do I know what will go towards the deductible?” While we cannot answer this in full, there are certain services that will go towards your deductible every time: MRI’s, ER visits in which you are admitted into the hospital, etc. Doctor visits (outside of annual physicals), Urgent Care visits, and ER visits in which you are not admitted all have copays and therefore do not get applied to the deductible.




What is an EOB?


EOB’s are the Explanation of Benefits that the insurance provides you when they receive a claim from your medical providers. These indicate the following: the payee, the payer, and the patient; the service performed (date, description, insurer’s code for the service, name of provider/place); the doctor’s fee and what the insurer allows (the amount initially claimed by the doctor/facility, minus any reductions applied by the insurer); the amount the patient is responsible for; adjustment reason and codes. THESE ARE NOT BILLS. These are to make sure that the correct service codes were submitted and to indicate to you the amount of the bills that you will be receiving from the doctor/facility from which you received service.




Who do I contact if I am having a bill or claim issue?


Contact Stacey Brutto, our Employee Advocate at Lacher. Stacey can be reached here: Direct line: 215-660-0358
stacey@lacherinsurance.com
Fax: 215-723-8604 For FSA and DCA questions, please email primeflex@primepay.com.




How do I find an in-network provider?


Medical: Visit connect.werally.com/plans/allSavers. Select our state, then select Choice Plus. Dental: Visit www.guardiananytime.com/fpapp/FPWeb/search. Vision: Visit idoc.davisvision.com/DavisVision.Member/FindAProvider/Index.




Should I go to the ER or Urgent Care?


ER, Urgent Care, or Doctor's office? Reasons to go to Urgent Care vs ER Take a look at this flyer for more information.




With so many available doctors, how do I know which one to choose?


When you login to https://connect.werally.com/plans/allSavers, select your state and select the Choice Plus plan, you will have access to a network of doctors and healthcare professionals which you can review and determine who is best for your needs. When possible, we suggest you select a Premium Care Physician, noted with two blue hearts like this: For more information on Premium Care Physcians, click here.