Frequently Asked Questions
Q: Are employer contributions required?
A: No. Plans may be offered on a voluntary employee-paid basis.
When plans are 100% employee-paid, the rates are based upon the
attained age of the employee. When the employer chooses to pay
at least 50% of the employee-only rate, then the rates are level
for the entire group.
Q: Can more than one plan be offered within
an employer group?
A: YES. An employer can choose to make available 1, 2 or all 3
Plan Options. In addition, the insured Generic Prescription Card can
be added to any plan.
Q: Who is eligible for insurance?
A: The employer designates the class(es) of employees eligible for
the SecureCare plan. Insured employees may also elect to include
their spouse and children under age 19 (26 if a full-time student).
All eligible employees must be actively at work on the effective date of coverage. All dependents must be actively at work on the effective date of coverage or, if not employed, able to engage in substantially all of the usual activities of a person in good health of like age and sex and not confined in a hospital or rehabilitation or rest facility.
Q: When does coverage go into effect?
A: Non-contributory Plans:
For insurance paid for entirely by an employer, insurance for an employee is effective on the later of the policy effective date or the date the employee becomes eligible provided the required premium is paid on that date.
Voluntary Plans:
For insurance paid for in part or entirely by an employee, insurance for an employee is effective on the latest of the policy effective date; the date he or she becomes eligible; the date we receive the completed enrollment form; or the date the payroll deduction is authorized.
Insurance for a dependent becomes effective on the latest of the date he or she becomes eligible; the date we received the completed enrollment form; the date payroll deductions is authorized for this insurance; or the date the employee's coverage goes into effect.
All Plans:
Coverage for an eligible employee or Dependent who is not actively at work (or as described above for non-employed dependents) on the date insurance would otherwise be effective will not go into effect until the date he or she returns to actively at work status.
Q: When does coverage terminate?
A: An insured employee's coverage will end on the earlier of the
date the policy terminates; the period ends for which premium is
paid; or the date he or she is no longer employed by the
Policyholder or is no longer eligible.
Coverage for a Dependent will end on the earliest of the date he or she is no longer a Dependent; the period ends for which premium is paid; or the date the employee's coverage ends.