NC State Postdoc Medical Insurance Plan 2008-09 FAQ
When does my coverage end?
How do I continue my coverage after my appointment ends?
How do I terminate dependents from my policy?
How can I locate in-network providers?
How do I file a medical claim?
How do I file a prescription claim?
Under which tier is my prescription categorized?
Does my policy cover me outside of North Carolina?
Does my policy include dental coverage?
Does my policy include vision coverage?
How do I claim the $100 reimbursement for glasses/contacts?
My status is a "House Officer - Intern/Resident" at the College of Veterinary Medicine. Am I eligible?
Additional Questions?
• When does my coverage end?
Eligibility for the NC State Postdoc Medical Insurance Plan is determined by the University. You should check with your department to find out what your termination date will be. Once our office has been notified by NC State of your termination date, we will issue COBRA materials to you at the address on file. Please be sure to maintain a current address with our office.
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• How do I continue my coverage after my appointment ends?
The NC State Postdoc Medical Insurance Plan has a COBRA (Consolidated Omnibus Budget Reconciliation Act) option available. This option will allow you to continue your coverage for up to 18 months by paying the monthly premium yourself. Once we receive notification of termination from the University, we will issue COBRA forms to you by mail to the address we have on file. You will have 60 days from the date of notice on the forms to elect COBRA, and the coverage will be retroactive back to your date of termination so there will not be a gap in coverage. Please contact our office to obtain current COBRA premium information.
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• How do I terminate dependents from my policy?
To terminate coverage for dependents under the NC State Postdoc Medical Insurance Plan, contact Hill, Chesson & Woody by email or by phone to request a termination form. Once you have completed the form, return it to our office by mail or by fax at (919) 313-2020. We will process your request and issue a prorated refund for the unused portion of coverage for which you have paid. Refunds are prorated on a daily basis. Please note that you may only request a future termination date; you may not cancel a policy retroactively.
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• How can I locate in-network providers?
You may locate in-network providers within North Carolina, outside of North Carolina, and on a worldwide basis by using the provider search tool here.
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• How do I file a medical claim?
If a provider is out-of-network and does not file a medical claim for you, you will be responsible for filing the claim. There is an 18-month timely filing limit for medical claims. You will need to print and complete the medical service claim form. You will also need to attach an itemized receipt for the service that includes the subscriber name, subscriber number, provider name, provider identification number, procedure code(s), diagnosis code(s), and charged amount(s). Please note that credit card receipts are not itemized receipts. We highly recommend that you maintain a copy of the claim form and receipt for your records.
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• How do I file a prescription claim?
You should present your insurance card each time you fill a prescription. If the pharmacy does not file a prescription claim for you, you will be responsible for filing the claim. There is a one-year timely filing limit for prescription claims. You will need to print and fill out the prescription claim form. You will also need to include an itemized receipt for your purchase. Please see page two of the claim form to find a list of items that your receipt must include. Please note that credit card receipts are not itemized receipts. We highly recommend that you maintain a copy of the claim form and receipt for your records.
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• Under which tier is my prescription categorized?
To determine what your prescription's tier is, you may enter the prescription name here. Please see the Summary of Benefits for information regarding your benefits for each tier.
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• Does my policy cover me outside of North Carolina?
The NC State Postdoc Medical Insurance Plan is a worldwide policy, so you will have coverage wherever you travel. The plan does have in-network providers around the world. You may search for providers outside of North Carolina on our website or by calling 1-800-810-BLUE. If you visit an in-network provider in another state, you will need to make sure the provider files the claim to the BCBS of the state in which services are received. For example, if you see an in-network provider in Florida, the provider will need to file a claim to the BCBS of Florida. Providers should be sure to include the YPP alpha prefix when filing claims to the local BCBS.
If you are traveling outside of the U.S., your benefits will apply just as if you were in the U.S. The only difference is that you will be responsible for making payment at the time of service. You may then file a claim using an international claim form. You will need to submit an itemized receipt for the service along with the international claim form. We highly recommend that you maintain a copy of the claim form and receipt for your records.
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• Does my policy include dental coverage?
The NC State Postdoc Medical Insurance Plan does not cover routine dental services.
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• Does my policy include vision coverage?
The NC State Postdoc Medical Insurance Plan provides coverage for one routine eye exam per member per policy year subject to the in-network deductible and coinsurance. This benefit is only available when you see in-network providers. To locate participating providers in your area click here .
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• How do I claim the $100 reimbursement for glasses/contacts?
To file a claim for the hardware reimbursement, complete the medical service claim form and submit it to Blue Cross Blue Shield of North Carolina with a copy of your receipt. We recommend that you keep a copy of both the claim form and the receipt for your personal records.
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• My status is a "House Officer - Intern/Resident" at the College of Veterinary Medicine. Am I eligible?
This health insurance plan is offered to “Postdoc - Research, Teaching, or Funded Fellow" or a "House Officer - Intern/Resident” of the College of Veterinary Medicine. The University pays your health care premiums; however, your dependent coverage is paid directly by you.
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If you have a question that is not addressed in this FAQ, please feel free to contact our office at (919) 645-0240 or email@hillchesson.com . |
