...If You (Or A Family Member) Need Health Care Services
Each FlexSolutions Medical Plan provides benefits for a variety of medical services.
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Each FlexSolutions Dental Plan provides benefits for preventive, general, and major services—only the payment amounts differ.
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If you are enrolled in a FlexSolutions Medical Plan, you are eligible for vision benefits, either through Vision Service Plan (if you are enrolled in an HMSA or CIGNA Health Care Plan) or through Kaiser (if you are a member of a Kaiser HMO).
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If you are enrolled in the Health Care Reimbursement Account, you can pay yourself back for eligible out-of-pocket health care expenses you or your dependents incur. These expenses can be for your share of the cost for services covered under your health care plans, or for certain services not eligible for benefits under your plans, but eligible for reimbursement through this Account in accordance with IRS regulations.
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If you are seriously injured and unable to work, you may be eligible for benefits under A&B's Sick Leave and/or Long-Term Disability (LTD) Plans.
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A&B provides paid sick leave in the event you (or a family member) are ill. You may also be eligible for an unpaid leave under the Family or Medical Leave Act, depending on the situation.
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If you incur large medical expenses not covered by any other medical coverage you (or your spouse) may have, you may apply for a loan or hardship withdrawal from your Individual Deferred Compensation (IDC) Plan.
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Action Steps
Review...
The benefits you are eligible to receive through your elected FlexSolutions health care plans.
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Use...
"Network" or "participating" providers to ensure the highest level of benefits.
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Obtain...
Any preauthorization or predetermination of benefits your Medical or Dental Plan may require.
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Submit...
Your medical, dental, or vision claims (unless your provider does this for you) and any Health Care Reimbursement Account claims (if applicable).
Some claim forms are available online via the Company intranet or from your local Human Resources representative.
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Arrange...
With your manager and/or local Human Resources representative to take the time off you need and, if applicable, to discuss filing a claim for disability benefits.
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