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Frequently Asked Questions

How soon will I be eligible for benefits from employer-sponsored health coverage?

If you meet the active work requirement you may be required to work for the employer for a certain period of time prior to becoming eligible to enroll in benefits. This may be called a service wait or eligibility waiting period.
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Who is eligible for employer-sponsored health coverage?

If an employer offers coverage, there are a minimum number of hours an employee is required to work in a week to obtain and maintain eligibility for benefits, called an active work requirement. Employers and insurers determine this time period.
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What is employer-sponsored health coverage?

This is coverage that pays a portion of the total cost for medically related expenses, such as doctor visits, hospital stays, prescription drugs, and durable medical equipment. Your employer pays for some (or all) of your premium. Each plan summary contains what the plan covers.
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How do you obtain employer-sponsored health coverage?

Employers allow you to sign up for coverage during specific time periods. These periods may be called by different names, such as initial enrollment, open enrollment, or open season. If you don't sign up when you're first eligible, pre-existing condition exclusionary periods might be longer than they would otherwise be.
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What prescription drug coverage comes with employer-sponsored health coverage?

This depends on the employer-sponsored plan. Some plans provide prescription coverage as a part of the health plan. In some situations prescription drug coverage will be a separate plan.
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Are there immigration rules to qualify for employer-sponsored health coverage?

No. Immigration rules that should be considered relate to your legal residency status and whether you are legally authorized to work in California. Your new employer cannot deny you coverage based on your medical status or history, but they can decide not to cover pre-existing conditions for a certain period of time, called an exclusionary period. Exclusionary periods can be reduced if you have had recent prior coverage. DB101's section on HIPPA & California protections has more details.
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If I have a new diagnosis, what do I need to know to access employer-sponsored health coverage?

Employer-sponsored plans cannot deny you coverage based on your medical history. They can, however, decide to not cover you for pre-existing conditions for a certain period of time, called an exclusionary period. There are limits to how long these periods can be. If you sign up for your plan after your initial enrollment period, these periods might be longer than they otherwise would be if you signed up on time.
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What about Medi-Cal and employer-sponsored health coverage?

Medi-Cal may be available to pay premiums and, in some cases, copays for services not covered by employer-sponsored health coverage. DB101's Medi-Cal program description has an explanation of the Health Insurance Premium Payment (HIPP) program. If you also use or have access to Medi-Cal, it is up to you whether to disclose this to an employer. It is not mandatory.
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My employer is changing our group health program to another one with less benefits. Can he do that?

Health Insurance FAQ's
If your husband has a claim, his policy will be primary, and yours will be secondary. It would be reversed if you have a claim. If you have any children who are covered by both policies, the primary coverage would be provided by the policy of the parent whose birthday comes first in the calendar year. The other policy would provide secondary coverage. Most companies have done away with monthly billing, because it is cost prohibitive.
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How soon will I be eligible to enroll in benefits from STD coverage?

Short Term Disability Insurance: Frequently Asked Questions
If you have employer-sponsored STD coverage, you must meet the active work requirement in order to be eligible to enroll in benefits. For professional or association-affiliated STD coverage, you must meet their specific requirements to be eligible to enroll in coverage. See the summary plan description for further details.
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Who is eligible for Health Care Coverage?

pmain
If you are a full-time, salaried, classified employee or full-time salaried faculty, you are eligible for membership in the State Health Benefits Program. Your eligible dependents also may be enrolled.
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What is employer-sponsored group health insurance?

About HIRSP
Employer-sponsored group health insurance is insurance provided by an employer that pays a percentage of the premium. It is not an insurance policy purchased by an individual or through an association. If you lost your employer-sponsored group health insurance, you are required to meet all of the following requirements: You exhausted your continuation coverage under your employer-sponsored group health insurance, including state continuation coverage or COBRA coverage.
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IF I ALREADY HAVE HEALTH COVERAGE ELSEWHERE, DO I HAVE TO BE COVERED AGAIN BY MY EMPLOYER'S PLAN?

Department of Labor and Industrial Relation
You are covered by a federally established health insurance or prepaid health care plan, such as Medicare, Medicaid or medical care benefits provided for military dependents and military retirees and their dependents; You are a recipient of public assistance or covered by a State-Legislated health care plan governing medical assistance; or You are a follower of a religious group that depends upon prayer or other spiritual means for healing.
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I am going to retire soon. What are the requirements to continue health benefits into retirement?

Federal Employees Health Benefits FAQ
Have retired on an immediate annuity (that is, an annuity which begins to accrue no later than one month after the date of your final separation); and You may not need to write to the Office of Personnel Management. If you think you might qualify for a waiver of the 5-year coverage requirement, contact your human resources/personnel office for information.
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Who is eligible for health insurance coverage?

Frequently Asked Questions: Health Plan, Benefits, Human Res...
Faculty and Staff Northwestern University regular status staff scheduled to work at least 17.5 hours per week are eligible. Faculty appointed on a full-time or part-time (50% - half-time or greater) basis for the entire academic year or appointed on a full-time (100%) basis for one-half the academic year are eligible. One-half the academic year is defined as either two consecutive quarters or one semester.
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How soon after applying will I be eligible for benefits from Medicare?

Medicare: Frequently Asked Questions
If you are a Social Security Disability Insurance (SSDI) beneficiary, benefits automatically begin in the 25th month following SSDI payments or in the 30th month after Social Security’s determination of your disability onset date. If you have permanent kidney failure, known as End-Stage Renal Diseases (ESRD), you will be eligible for Medicare within 3 months of dialysis.
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How soon can I be eligible for benefits from a PASS?

Plan for Achieving Self-Support (PASS): Frequently Asked Que...
If you turn in all the required documents and fill out everything correctly, Social Security will usually process the application in one to three months. Yes. SSDI counts as income for the PASS program. You can set aside all but $20 of your SSDI benefit for a PASS.
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How soon can I be eligible for benefits from CalWORKs?

CalWORKs: Frequently Asked Questions
When you apply, the county has to schedule an intake appointment within seven days. A CalWORKs application must be accepted or rejected within 45 days. However, many applications can be approved in less time depending upon the county you live in and your familyâ??s circumstances.
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Who is eligible for employer group dental coverage?

Frequently Asked Questions About Buying Group Dental Insuran...
We offer coverage to California based businesses only. To offer group coverage, the employer must be willing to administer payroll deduction, add and delete employees, and pay the monthly premiums. The most comprehensive coverage will be available when the employer contributes all or part of the premium cost and with participation of 75% or more of eligible full-time employees. Some plans do not require the employer to pay any of the premium cost.
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If I am eligible, how soon can coverage start?

Winnebago County Health Department - FAQ's
If your application contains all required information, it will be reviewed and you will get a notice in a month or two. If that notice states that you or your child(ren) are approved, coverage will start within a month or two of the date on the notice. In some cases, coverage will begin even earlier.
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When am I eligible for health benefits?

Welcome to U.S. Nursing
Health benefits begin the first of the month following 60 calendar days of continuous employment on assignment(s) and maintain active placement of 30 hours per month with no greater than a 30 calendar day lapse between assignments.
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Q: Is XELODA eligible for coverage under private health insurance and other payors/insurance?

Xeloda
Coverage, coding, and payment for XELODA and other drugs varies considerably by payor, plans, and patient-specific situations. Patients and providers should verify patient-specific benefits to determine applicable coverage, coding, and payment for each patient. Any coding, coverage and payment information contained herein is gathered from various resources and is subject to change without notice. Roche cannot guarantee success in obtaining third-party insurance reimbursement.
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Are American Indian Children eligible even if they have Indian Health Services (IHS) coverage?

Medical Services :: Children's Health Insurance Program (CHI...
Yes. The federal statute is very specific about the inclusion of American Indians and the IHS as providers. However, under the Medicaid option South Dakota can use 100 percent federal funds to purchase health care services from the IHS.
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How long are my kids eligible for health coverage?

University of Arkansas for Medical Sciences - Office of Huma...
Eligible dependents are your lawful spouse, unmarried dependent children from birth until they attain age 19, and from 19 until they attain age 25 if they are full-time students in an accredited university, college, or trade school. QualChoice and DeltaDental will need you to provide written verification each semester that your age 19-24 child is a full-time student.
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If I apply, how soon would my coverage be effective?

Oregon Medical Insurance Pool OMIP frequently asked question...
Coverage generally begins for medical enrollees on the first of the month following the date we receive, accept and approve your eligibility. For portability enrollees, coverage generally begins the day you lost your prior coverage.
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How soon after applying will I be eligible for benefits from a PAP?

Prescription Patient Assistance Programs: Frequently Asked Q...
Each PAP has its own timeline for making prescription drug assistance available. Some programs deliver prescription drugs within 3-4 weeks, while others may take several months. It is best to check with each PAP to see when benefits will become available.
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How soon after applying will I be eligible for benefits from SDI?

California State Disability Insurance: Frequently Asked Ques...
There is a seven day waiting period for all disabilities before benefits are paid. Benefits are issued from the eighth day forward. SDI normally processes applications within 14 days from the date of receipt. There is usually a minimum of six months from the effective date of elective coverage before your eligibility can be based on your contributions.
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I am eligible for secondary coverage through my spouse. Should I elect this coverage?

centocoraccessone.com - Medicare Frequently Asked Questions ...
You will need to evaluate several factors when deciding to elect secondary coverage. Some factors you may want to consider are the cost of premiums, covered benefits, and the coordination of benefits.
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Who is eligible for health-care coverage with Health Advantage?

BlueChoice Point-of-Service Plan - FAQ - Health Advantage
Full-time employees of enrolled groups that live or work in the state of Arkansas and their eligible dependents. Eligible dependents include a legal spouse, an unmarried child under the age of 19 (or your group's maximum dependent age), a full-time student under the limiting age specified in the group contract, or a child of any age that is certified disabled due to mental or physical incapacity and chiefly dependent on the employee for financial support.
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