FAQs

When can I enroll in the Fixed Indemnity Medical Plan?

You are able to enroll in the Fixed Indemnity Medical Plan within 30 days of your hire date, 1st paycheck date, or your employer’s annual 30 day open enrollment period. If you do not enroll during one of these time periods, you will have to wait until the next annual open enrollment, unless you have a qualifying life event. You have 30 days from the date of the qualifying life event to enroll.

When does coverage begin?

Coverage will begin the Monday following a payroll deduction and continues as long as you have a deduction from your paycheck. Please review your check stub for deductions. If you miss a payroll deduction, to avoid a break in coverage, you may make direct payments to PAI. After six consecutive weeks without a payroll deduction or direct premium payment, coverage will be terminated and COBRA information will be sent at that time.

If I do not get placed on assignment right away, will I have to complete a new enrollment form?

After six months if there has not been a deduction from your paycheck, please fill out a new enrollment form. Missing information will delay the process.

Can I make changes or cancel coverage?

You may cancel or reduce coverage at any time unless your premiums are deducted pre-tax. You will only have 30 days from your hire date or first paycheck date to enroll, add additional benefits or add additional insured members. After this time frame, you will only be allowed to enroll, add benefits or add additional insured members during your annual open enrollment period or within 30 days of a qualifying life event.
(Please refer to your enrollment form, ask your employer, or call customer services to find out if your deductions are pre-tax or post-tax.)

How can I make changes?

To make changes or cancel coverage, please contact Medical StaffCARE Customer Service line at 1-866-798-0803 between Monday–Friday 8:30 am to 8:00 pm Eastern Time. Remember, it may take up to two or three weeks for the changes or cancellation to be reflected on your paycheck. Coverage will continue as long as you have a paycheck deduction.

Are maternity benefits covered?

Yes, maternity benefits are covered the same as any other condition under this plan.

How do I enroll?

Enrolling in the Medical StaffCARE plans is easy. You can enroll by completing an Medical StaffCARE enrollment application and returning it to your manager.

What is a qualifying life event?

A qualifying life event is defined as a change in your status due to one of the following:

• Marriage or divorce
• Birth or adoption of a child(ren)
• Termination
• Death of an immediate family member
• Medicare entitlement
• Employer bankruptcy
• Loss of dependent status
• Loss of prior coverage

If you experience a qualifying life event, you must submit documentation of the event along with a change form requesting the change within 30 days of the event. In addition, you may request a special enrollment (for yourself, your spouse, and/or eligible dependents) within 60 days (1) of termination of coverage under Medicaid or a State Children’s Health Insurance Program (SCHIP), or (2) upon becoming eligible for SCHIP premium assistance under this medical benefit.

Are dependents covered?

Yes. Eligible dependents include your spouse and your children up to age 26.

Is there a pre-existing clause for the Fixed Indemnity Medical Plan?

There are no restrictions for pre-existing conditions for the fixed indemnity medical plan. Even if you were previously diagnosed with a condition, you can receive coverage for related services as soon as your coverage goes into effect.