Visit your carrier’s “Find a Doctor” link above or within your carriers portal/app.

You can access your card through your member portal. If you are still having trouble reach out to us!

Generally, you can only make changes to your benefits during the annual Open Enrollment period. However, you may be able to update your coverage outside of this period if you experience a Qualifying Life Event.

A Qualifying Life Event (QLE) is a major life change that allows you to make changes to your health insurance outside of the annual Open Enrollment period. If you experience a QLE, you may have a special enrollment period (typically 30–60 days) to update your coverage.

Common Qualifying Life Events:

• Marriage or Divorce
• Having a Baby or Adopting a Child
• Loss of Other Health Coverage (e.g., job loss, aging out of a parent’s plan at 26)
• Change in Residence (moving to a new state or coverage area)
• Gaining Eligibility for a New Plan (e.g., Medicaid, CHIP, Marketplace insurance)

Start by reviewing your Explanation of Benefits (EOB). If you need help resolving an issue, contact us for assistance.

You can review your plan’s Summary of Benefits and Coverage (SBC), which outlines what services are included, such as doctor visits, prescriptions, and hospital stays. You can also log in to your insurance provider’s website or contact HR for assistance.

Deductible: The amount you must pay for covered services before your insurance starts sharing costs.

Copay: A fixed amount you pay for a doctor visit, prescription, or service.

Out-of-Pocket Maximum: The most you will pay in a year before your insurance covers 100% of services.

It depends on your plan. HMO plans typically require referrals from a primary care physician, while PPO plans allow you to see specialists without a referral. Check your plan details or contact HR for clarification.