After Open Enrollment

Here are some key tips to help you manage your health insurance benefits and ensure everything is running smoothly

Congratulations! You have selected the plan you wanted and your enrollment should be completed. 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. Don't worry, if you have any questions or concerns, our support team is here to help!

Next steps...

1. Create a member portal with your insurance carrier 

You can navigate to your insurance carrier's website to set up this access. 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. 

2. Confirm your assigned ARC Account number is set for premium auto pay

 After you complete step 1, you will 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 coverage 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

3. 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.

4. If you need to change your coverage due to a qualifying life event.

Please reach out to your company's Human Resources Department so they can enter you into a special enrollment period. Please remember that there are very limited scenario's that would allow you to change your coverage mid-year. Please click here to review the list of Qualifying Life Events (QLE).