Who is eligible?
Full-time employees and their eligible family members like your legal spouse, your natural born children, current stepchildren, or legally adopted children up to age 26, and children of any age if they depend on you for support due to a physical or mental disability (documentation may be required).
What do I need to consider for Open Enrollment?
Full-time employees and eligible family members, like your legal spouse, can get health coverage.
- How much money do you want to put in your healthcare account for medical expenses?
- Do you need dental or vision coverage?
- Do you need to include any family members in your insurance?
- Are you interested in extra life insurance?
- Are there any big life changes coming up, like a new baby, a wedding, or a kid going to college, that could affect your benefits choices?
These are some things to consider when picking your benefits.
When does coverage begin for new hires?
Benefits begin the first of the month following your full-time hire date. For example, if you become eligible for benefits on May 12th, your benefits will be effective June 1st.
Are you a new hire?
When you first can sign up for our benefits, you have to choose whether to enroll in Voluntary Life Insurance or not. If you don’t sign up for yourself and your family the first time you are able to, and later you want to join during another sign-up period, you’ll need to show proof that you’re healthy by filling out a form called Evidence of Insurability (EOI). This might mean you have to take a physical exam, and there’s a chance you could be denied coverage. If you need to take future exams, you will have to pay for those.
What comes out of my pay?
Annual Premium
The cost to buy medical coverage is spread out over the whole year, so you pay part of it each time you get paid, before taxes. How much you pay depends on the plan you choose and how many people you want to cover.
What will I pay after I meet my deductible?
Coinsurance
Once you pay your yearly deductible, you usually have to pay a certain percentage for medical services that are covered and done by in-network providers. This is called coinsurnace. You’ll keep paying this amount until you reach the out-of-pocket maximum. After that, the plan will cover the rest of the costs.
What will I pay when my medical coverage starts?
Annual Deductible
Once your coverage begins, you will pay all copays, deductibles, and coinsurance until you reach your maximum out of pocket. What you pay will be determined by where you seek care. For example, if you are treated at your provider’s office, you will pay the primary care office visit copay.
How much will I pay out of my own pocket?
Out-of-pocket Maximum
The out-of-pocket maximum is the most you would have to pay for covered medical services in one year. Once you reach that amount, the plan will pay for all your other covered care. Your deductible, coinsurance, and copays count towards your maximum-out -of-pocket.
Will my doctor be in-network?
Provider Network
You can confirm whether your doctor is in-network by going to bcbsks.com/find-a-doctor
What is Goodwill Industries of Kansas contributing?
Company Contribution
Goodwill Industries of Kansas helps make your health insurance more affordable by paying part of your monthly premium, so you don’t have to pay as much each month.
During your benefits enrollment period, you can add an eligible dependent to your coverage.
Important Reminder
After you sign up, if you get married, have or adopt a baby, get divorced, or have another big life change, you need to tell HR within 30 days. For more details on who can be on your plans, check the employee benefit guide.
