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Eligibility
You are eligible to participate in the benefits described in this guide on the 1st of the month following 60
days of employment.
Your dependents may only enroll in coverage you have for yourself. Your eligible dependents include
your:
- Legally married spouse
- Children up to age 26 who are not on active military duty,
- Dependent children who are physically or mentally disabled and dependent on you.
Provided they meet the requirements above, eligible dependent children (regardless of where they reside)
include your:
- Natural children,
- Adopted children or children placed with you for adoption,
- Stepchildren, and/or
- Children for whom you are the legal guardian.
Dependent children also may be covered under the medical plan if they are required to be covered by a
Qualified Medical Child Support Order as an “Alternate Recipient”.
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Terms to Know
Coinsurance
: The percentage of the charges you are responsible for paying when you get care once you
meet your annual deductible.
Copayment
: A flat fee you pay to the provider based on the care or service you receive.
Deductible
: The amount you pay for certain services each calendar year before the plan starts paying
benefits. You pay the full cost of care you receive until what you have paid equals the amount of your
deductible.
In network
: The doctors, hospitals, labs, pharmacies, etc that are members of the plan’s network.
When you see a provider “in the network”, the plan pays a higher benefit.
Out of network
: The doctors, hospitals, labs, pharmacies, etc. that are not members of the plan’s net-
work. When you see a provider “outside the network”, the plan pays a lower benefit (or no benefit at all).
Out-of-pocket maximum
: The maximum amount you would pay for covered care during the year after
you pay your deductible. If you reach this maximum, the plan will pay 100% of your covered care for the
rest of the year.
Preventive care
: Routine services to prevent illness and improve health, including annual check-ups,
immunizations, and certain screenings.
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