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Frequently
Asked Questions
Can I change my Medical, Dental or Vision Plan elections during the year?
Medical, dental, or vision plan elections are made on a calendar year basis.
You can change your choice of Medical, Dental or Vision plan options during annual enrollment.
Are there penalties for late enrollment?
The Trust Plan does not impose a penalty for late enrollment. However Medicare will assess a late enrollment penalty (LEP) if you fail to enroll during your initial Medicare enrollment period and had no other credible coverage. You may incur an increase in premiums. Contact a Personal Health Advocate with questions at (877) 325-7265, Option 2.
Will my insurance premiums increase based on my age?
No, the Insurance Trust plans are group plans designed to keep your overall cost down. Age does not affect the cost you pay for coverage.
Do my insurance premiums include my Medicare Part B premium?
No, you must still pay your Medicare Part B premium, as determined by Centers for Medicare and Medicaid Services (CMS).
Can I designate an individual, or individuals, the right to access my health information?
Yes, you may authorize whomever
you choose to be your designated individual. Find the phone numbers beginning on page 24 in the Contacts section of this booklet to notify the medical, prescription drug, dental, and vision insurance companies. Due to
the legal requirements surrounding confidentiality, each must be handled separately. Contact a Personal Health Advocate with questions or for assistance at (877) 325-7265, Option 2.
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