Benefit FAQs

Q: My spouse is offered insurance through his/her employer. Can I add them to my medical insurance?
A: If your spouse is eligible for medical insurance through his/her employer, they must take that coverage in order to receive secondary coverage under the Roehl plan. The costs incurred may outweigh the benefits of having secondary coverage through Roehl.

Q: I’m eligible for Medicare because I am turning 65. Which plan would be primary?
A: Your Roehl plan would be primary, Medicare secondary.

Q: My child is turning 26. When will their coverage end?
A: Your child’s coverage will end at midnight on the last day of the month in which they turn 26.

Q: My children are going out of state for college. Will they still be covered?
A: Yes, the Anthem BlueCross BlueShield network provides coverage through the Blue network nationally. To find an in-network provider in their area, complete a provider search on www.anthem.com.

Dependent children can remain on our insurance until age 26.



Q: I see a deduction for STIP-LTD on my payroll. What is this?
A: This deduction is for the Short-Term Income Protection and Long-Term Disability plan. If you elect medical coverage through Roehl, you are required to participate in this plan and are automatically enrolled in it upon enrollment in the medical plan. This coverage becomes effective the first of the month following six months of employment.

Q: I want to cancel my medical, dental, and vision. How do I do that?
A: In order to cancel your coverage outside of Open Enrollment, the IRS requires that you experience a qualifying life event. The following situations are considered qualifying life events:
 

• Marriage, divorce, or legal separation
• Birth, adoption of a child or qualified stated child support order
• Death of a family member
• Change in spouse’s employment status
• Involuntary loss of benefit coverage
• Ineligibility of a child (e.g., your child becomes “over-age”)

If you experience one of these events and wish to make changes to your benefit coverage, you must call your Pay Services Representative within 30 days. After 30 days have passed, you will need to wait until the next open enrollment to make changes.

Q: Can I change plans in the middle of the year?
A: In order to change plans in the middle of the year, the IRS requires that you experience a qualifying life event. The following situations are considered qualifying life events:
 

• Marriage, divorce, or legal separation
• Birth, adoption of a child or a qualified stated child support order
• Death of a family member
• Change in spouse’s employment status
• Involuntary loss of benefit coverage
• Ineligibility of a child (e.g., your child becomes “over-age”)

If you experience one of these events and wish to make changes to your benefit coverage, you must call your Pay Services Representative within 30 days. After 30 days have passed, you will need to wait until the next open enrollment to make changes.

Q: How do I take the Health Assessment?
A: To complete the Health Assessment register on www.anthem.com. Once registered, select "Care” and then “Health & Wellness Center” followed by "Take yur health assessment now." Detailed instructions on registering and completing the assessment are available on the Health Assessment page. 

Q: In order to receive the discount, who needs to complete the Health Assessment? How much is the discount?
A: If you have Employee or Employee + Children coverage, only the employee will need to complete the assessment. The premium discount for completion is $4.50 per week. If you have Employee + Spouse or Family coverage, both the employee and their spouse must complete it. The premium discount for those coverage tiers is $11.00 per week.

Q: I did not elect the 401(k), but it is being deducted from my payroll. Why is this?
A: You become eligible for the 401(k) the first of the month following 60 days of employment. You are automatically enrolled the first of the month following 90 days of employment if you do not opt out or change your percentage to something other than 4%.