After Open Enrollment

Watch this video after you have completed your enrollment.

After Enrollment

Congratulations! You have selected your plan and your enrollment is complete. However, the journey isn't over yet!

Please see below for recommended next steps. 

The medical plan you selected is an individual policy. This means you own the policy and have the opportunity to monitor the status of your benefits with your carrier. If you have any questions or concerns, our support team is here to help. 

Next Steps

Benefitbay's recommended next steps:

(See detailed instructions below for each step)

1. Monitor your email for communication from benefitbay

2. Create a member portal with your insurance carrier

3. Log in to the member portal and confirm that all information is accurate, including dependent information
4. Confirm that your assigned ARC account is being used for premium autopay
5. Read all carrier communication, especially invoices. 
6. If you have questions about carrier communication, reach out to benefitbay support via email (support@benefitbay.com)
7. If you have a qualifying life event (QLE) mid-year, enter it into benefitbay to start the coverage change process

1. Monitor your email for communication from benefitbay

If there are additional action steps or information needed for your coverage, the benefitbay support team will reach out directly to you. Please monitor the email address that is listed on your benefitbay profile. 

If the benefitbay team reaches out, please respond in a timely manner and provide all requested information and documentation. This may include a request for proof of residence, driver's license, or verification of your address or county. 

If you do not respond in a timely manner, there is a possibility that your coverage might be affected. 

2. Create a member portal with your insurance carrier 

Navigate to your insurance carrier's website to set up your member portal. This account will give you future access to items such as your claims data, Explanation of Benefits (EOBs), and other insurance-related documents. You can also monitor your monthly premium payments to ensure it's being paid every month.

And best of all, you will have the added benefit of being able to view all covered services, look up providers in your area, and even participate in any health rewards offered by your carrier. 

You are now a direct customer with your selected insurance carrier and they will communicate directly with you via email and/or postal mail.  It is important to take note of these communications as they will not be provided to your HR team. 

3. Log in to the member portal and confirm that all information is accurate, including dependent information

After you log into your carrier's member portal, check your personal information. Is everything accurate? If not, please correct it directly within the carrier portal. Be sure to check your dependent's information as well. 

Please also check your assigned and/or desired providers. If the carrier has assigned you a provider, you can change the assignation directly through the member portal, or by calling your carrier's member services (your personal carrier's member service phone number will be listed on the back of your ID card.)

4. Confirm that your assigned ARC Account is being used for premium auto pay

After you log into your carrier's member portal, you will also want to check that the insurance carrier has your Advanced Reimbursement Checking (ARC) Account information set up on autopay for future premium payments. You should be able to log into your member portal to confirm that autopay has been established. If it has not, you will want to input your ARC account information (which can be found in your benefitbay login under the Wallet tab) and set that account for autopay. If you need any assistance with this step or are unsure if autopay has been set up to pay your monthly premium, please email support@benefitbay.com

5. Understand carrier communications, especially invoices

Your premium is being paid via benefitbay and your ARC account.

However, you may still receive monthly invoices from your carrier. It is very common for carriers to send invoices via postal mail or email, even when autopay is set up. Please do not pay these invoices — your premium is being paid through your ARC account. 

6. If you have questions about carrier communication, contact our support team for questions.

If you receive any notices of late payments or cancellations from your carrier, DO NOT IGNORE! Since this insurance policy is owned by YOU, the insurance carrier only sends these notices to you. Please email us at support@benefitbay.com if you receive any late payment or cancellation notices from your carrier or have any questions. Remember, do NOT ever use personal bank accounts for premium payments.

7. If you have a mid-year QLE, use the benefitbay platform to start the coverage change process

Please click here to review the list of Qualifying Life Events (QLE). This is a life change that may result in a change in your medical coverage. 

If you have a QLE, fill out the Coverage Change Request form inside of your benefitbay account. Click here to view instructions on filling this out.

Please understand: there are very limited scenarios that would allow you to change your plan mid-year. However, you may add or remove dependents