Q: Who is Benefits In A Card?
A: Benefits In A Card is a company with exclusive rights to provide affordable limited health benefits and other unique products and services to hourly employees.

Q: What are Limited Health Benefits?
A: Limited health benefits mimic group major medical insurance but have caps on the annual maximum, keeping premiums low.

Q: What are the other products offered?
A: Benefits In A Card offers dental, vision, Rx, disability, life, critical illness, and accident insurance as additional buy-up options.

Q: When will coverage begin?
A: Coverage begins the Monday following the first paycheck deduction. Coverage weeks run from Monday through Sunday.

Q: How long does it take for an enrollment to be processed?
A: Due to processing time it may take up to three weeks from the time an employee enrolls to the time they have coverage. To expedite the process employees may enroll via our bi-lingual customer service center.

Q: Will employees receive an ID card?
A: ID cards are mailed within 7 – 10 business days of the first paycheck deduction

Q: Can an employee cancel or change coverage at any time?
A: Yes, Employees may cancel coverage at any time by calling the Benefit Enrollment Line. Premiums are not refunded. Employees may make changes during their eligibility period. After the enrollment period has ended changes are allowed only in the case of a qualifying/life changing event.

Q: Will employees have access to a national PPO Network?
A: Yes, Employees will have access to a national PPO Network.

Q: Is COBRA available?
A: Yes, All plans are COBRA eligible. After 4 weeks without a payroll deduction, an employee is eligible to elect COBRA and will be sent a COBRA notice by Benefits In A Card.

Q: What is the open enrollment period?
A: All current employees will have 60 days from the policy effective date to enroll. All new hires will have 30 days from their date of hire to enroll.

Q: How are premium deductions handled, and is the employer liable for missed premiums?
A: Premiums are deducted from employees’ paychecks in advance. Employers are not required to collect back premiums.

Q: What happens if an employee does not work in a given week and does not have a paycheck deduction for premium?
A: If there is no premium deducted from the employees paycheck there will be no coverage for the following week. However, an employee may continue coverage by contacting Benefits In A Card and making direct premium payments to Benefits In A Card during the time they are off assignment.

Q: Will benefits be canceled for non-payment of premium?
A: No, An employee’s coverage would only be canceled upon that employee’s request. Since premiums are paid in advance of coverage, a non-payment of premium would simply mean no coverage for the following week. This method eliminates the back premium or cancellation as a result of non-payment.

Q. Is there a waiting period before an employee is eligible for insurance?
A: No, Employees are eligible to enroll on their first day of work.