Eligibility
Enrollment in this program is allowed no matter where you reside and even if
primary coverage is offered by a spouse plan or individual plan. Any employees
participating in the company sponsored group health plan can select from the
supplemental wrap plans provided at least 5 people enroll in any one plan. Some
groups may be restricted to only two plan options if their company employee base
is less than 50 that are eligible.
Pre-existing Conditions
Supplemental Plans waive all pre-existing condition limitations and are
guaranteed issue if you enroll during open enrollment. These plans can all be
written on a standalone basis however, an employee must participate to cover a
dependent.
Coverage
Effective Date
Coverage
will start on the first of the month after open enrollment ends and the payment
of the first month’s premium is deducted. All payments will be deducted on a
pre-tax basis unless you indicate otherwise in writing or your employer elected
to only offer direct bill. Paying premiums with pre-tax dollars saves you
approximately 20 to 20% of your out-of-pocket costs depending on your individual
tax bracket. Please note that reductions to your gross income paying for
qualified plans including your group health plan can produce slight decreases in
Social Security benefits if you plan to retire in the next few years. If you
ever terminate your employment, you can be direct-billed based on continuation
terms listed below.
How to
Enroll Online
To enroll any
supplemental plan
And for ACH
(Direct bill of
supplemental plan requires ACH plus a $2.00 monthly service charge) Mail the
original form , a check for the 1st months premium payable to Select
Benefit Administrators and a voided check to the following address.)
Print and
mail the forms so we have original signatures. Mail to 1 Stop Benefits, Inc.
1546 Old Farm Court Yardley PA 19067
Details as to
the supplemental benefits program are available in PDF format.
Click Here
How to
Enroll Using Paper Forms
Online
enrollment is both secure and more efficient however, in order to enroll,
employees must complete all required forms and mail them to us for processing.
Please include your email address and daytime phone number. If your employer has
agreed to pre-tax deductions, we will arrange payment with your employer.
Benefits only start the first of the month following receipt of the insurance
company of all required forms and first month’s payment. Please do not cancel
any previous coverage until we verify your new plan is in force. All checks
should be made payable to Select Benefit Administrators.
Mail all forms to 1 Stop Benefits, Inc.
1546 Old Farm Court Yardley PA 19067.
Call 1-800-662-3982 if you have any questions. Email Us at
Service@1StopBenefits.com
Changes
in Coverage
The supplemental plan can be maintained whether you enroll in any other health
plan or maintain no other insurance. Changes in enrollment for direct bill
customers can take place the first of the month any time of the year. All change
requests must be done in writing and received no later than 3 days prior to
stated change. You can fax any change request to 888-662-3920. Note that if you
are adding a newborn you must send in this request within 31 days of birth or no
coverage will be given for the child upon birth. A change form can be downloaded
by
Clicking Here.
Continuation
The
supplemental plan coverage is based on you being an active employee. However, if
a death occurs premiums will be waived for two years on any covered dependent on
the plan. All others can elect to continue the coverage for a minimum of 18
months from the date employment ends. The lengths of continuation model those of
COBRA. Continuation can also occur if you become eligible under another union or
employer offering this coverage. Let us know if you want your new employer to
consider this plan.
Claims
Questions
Once you are enrolled, you will receive both an identification card and plan
description as well as claim forms. If you have any questions regarding claims,
please call Select Benefit Administrators on your identification card. If you
need a claim form, you can download it here.
Claim Form