Eligibility and Enrollment
Important Benefits Information:
The following information is a high-level summary only. Please refer to your Plan’s BENEFIT BOOKLET to review all Eligibility requirements.
Initial Enrollment (new hire)
You are eligible to enroll in the Plan if you work for a participating employer and you are a member of a group of employees designated by your participating employer as eligible to participate.
To enroll in the Plan, you must complete the online enrollment process within 31 calendar days after your hire date by logging into sebt-optimalhealth.benelogic.com
If you have difficulty in enrolling or uploading required documentation, then contact the Administrative Support Team at AST@planmanagementservice.com.
Proof Of Eligibility Requirements
In order to be eligible for coverage under the SEBT Medical Plan, any spouse of an eligible employee who is eligible/entitled to coverage through an employer-sponsored group health plan must join that plan on at least a single enrollment basis. If you enroll your spouse as a dependent, you must also complete the Spousal/Other Coverage form and return to the plan’s Administrative Support Team (AST) at AST@planmanagementservice.com so they can coordinate benefits with your spouse’s employer-sponsored group health plan.
Within ninety (90) days of retirement, medical coverage for an eligible retiree and his/her covered Dependents may be continued. The spouse of a retiree must be covered as a dependent under this Plan for twelve (12) months prior to the Employee’s retirement in order to be eligible to continue coverage, unless enrollment during that period is a result of a Special Enrollment event.
No coverage is provided for dependent children of a retiree, unless retired prior to 1/1/2018 and dependent coverage was elected at the date of retirement.
The retiree and/or dependent spouse may be required to pay the full cost of such coverage.
Continuing coverage under this provision of the Plan shall terminate for an eligible Covered Person as defined in the SEBT Benefit Book.
Family Status Changes
When family status changes occur, the last thing on your mind is to update your employer of these changes. However, failure to notify your employer may cause your medical claim payments to be delayed or denied. Also, your rights to enroll in the plan or continue coverage may expire. Notify your Business Office on the enrollment/change form of the following changes within 31 days of the qualifying event if loss of medical coverage due to:
- Spouse’s coverage ends with employer due to termination or reduction of hours
- COBRA exhausted
- Qualified Medical Child Support Order
- Child turns 26 on medical or dental plan
- Child gets married
- Address or phone number change
Special provision: Newborns are covered at the moment of birth ONLY if you enroll your new baby in the plan within 60 days immediately following birth.
Your medical claim payments may be delayed or denied if you do not notify your Employer Human Resources or Business Office.
When Coverage Can Be Added Or Terminated
In general you cannot change or drop your health benefits unless it is done during the plan’s annual Open Enrollment, or you experience a qualifying event and make the change within 31 days of the event.
Open Enrollment Period:
Each year you have the opportunity to participate in the Medical plan for the first time, change plan options or add or drop dependents without a qualifying event. Your must participate in open enrollment to enroll or make a change. Open enrollment occurs in the fall of each year with coverage effective January 1 of the following year.
Please contact your Employer’s Benefits Administration (Human Resources) office to obtain your Open Enrollment Brochure. You may use the attached Open Enrollment Help Guide to assist in your Open Enrollment.
During the designated open enrollment time period, login to the Employee portal at sebt-optimalhealth.benelogic.com
Qualifying events include but are not limited to the following:
- Death of a spouse
- Legal separation
- Birth, adoption, placement for adoption or death of a dependent
- Termination or commencement of employment of a spouse
- A dependent or spouse fail to satisfy the plan’s definition of an eligible dependent or spouse
- Loss of eligibility which includes a loss of coverage due to:
- Legal separation;
- Termination of employment, or reduction in hours of employment;
- Relocating outside of a Plan’s network service area;
- A plan no longer offering benefits to a class of similarly situated individuals even if the plan continues to provide coverage to other individuals;
- The Employee or Dependent is covered under a Medicaid plan or under a state CHIP program, and coverage of the employee or dependent under such plan/program is terminated as a result of loss of eligibility for such coverage.
Remember that your health plan allows you to have your premiums deducted pre-tax. As a result the plan is considered a “cafeteria plan”, and is subject to IRS cafeteria plan regulations. Under these regulations employees cannot drop coverage at any time unless is during the plan’s open enrollment period, or within 31 days of a status change or qualifying event.
Your medical claim payments may be delayed or denied if you do not notify your Employer Business Office.
Enrollment Support Needed?
Contact the Administrative Support Team at AST@planmanagementservice.com