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Answers to Your Questions about the Chambers of Commerce Group Insurance Plan

If I Leave My Employer, Do I Keep My Life Insurance?

Typically, employees have the right to keep the amount of life insurance provided by the group plan.

You can decide to covert the coverage into an individual policy and begin to pay the premiums yourself. If you want to do this, you must complete the conversion within 30 days of leaving the company.

If I Find an Old Health/Dental Bill, Can I Still Claim It?

Was the service date within the past 365 days? If so, you should be able to claim it if you’re still with the same company.

If the employee has left the company, they have 120 days from their date of plan termination to submit claims for any eligible expenses incurred up to the end of the month they were with the company.

Where Should I Send My Health/Dental Claim Form If My Spouse has Coverage through His/Her Work?

If you and your spouse both have extended health and dental coverage through work, you can get maximum coverage by sending your claims to both plans.

For you or your spouse, send the claim to the patient’s plan first. The spouse’s plan can then cover any remaining expenses.

For your children, send the claim to the plan of the parent born earlier in the calendar year. The other parent’s plan can then cover any remaining expenses.

Can I Change Our Coverage Level for a Benefit We Already Have?

The best time to make a change in coverage is at the plan’s April 1st renewal date.

If you want to make a change at another time, you should contact your HFG advisor to discuss your options.

What Should I Do If I Miss the Deadline for Adding a Dependent?

The employee (or you) must complete an Employee Change Request and an Employee’s Statement of Dependent’s Health. Then, you must send these forms to your Plan Administrator.

Once the insurance company approves the application, the dependent’s coverage will start on the first of the upcoming month.

Please note if you have dental coverage: Late applicants are each limited to $250 in dental for the first 12 months of their coverage.

What Should I Do If I Miss the Deadline for Enrolling a New Employee?

The employee must complete an Employee Application and a Statement of Health. Then, you must send these forms to your Plan Administrator.

Once the insurance company approves the application, your new employee’s coverage will start on the first of the upcoming month.

Please note if you have dental coverage: Late applicants (employees and their insured family members) are each limited to $250 in dental for the first 12 months of their coverage.