Read our frequently asked questions for fast answers.
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Download the schedule of Benefits for the MEC Wellness/Preventive Benefit HERE.
Please note: The MEC Wellness/Preventive plan is payroll deducted, which means deductions will be taken out of your paycheck for this benefit.
Can I receive a subsidy on the Exchange?
No, if you enroll into the MEC Wellness/Preventive Plan you will not qualify for a subsidy at the health insurance exchange as this plan will meet the definition of Minimum Essential Coverage. Please DO NOT enroll into the MEC Wellness/Preventive Plan if you wish to obtain or wish to continue receiving Federally subsidized coverage from the health insurance exchange.
Do these plans satisfy the Individual Mandate?
Yes, by enrolling into the MEC Wellness/Preventive Plan you will be meeting your Individual Mandate obligations.
How do I enroll?
Enrolling in the MEC Wellness/Preventive plan is easy. You can enroll by completing an Essential StaffCARE enrollment application and returning it to your manager.
When can I enroll in the plan?
You are eligible to enroll in the MEC Wellness/Preventive Plan generally within 30 days of your classification as a full-time employee in accordance with the ACA, or during 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.
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)
- 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.
When does coverage begin?
The effective date of coverage will depend on how your employment with FGP is classified in accordance with the ACA. If classified as a full-time employee, you are eligible for coverage effective the first of the month following 60 days after your hire date with FGP. Depending on your classification, you may not be eligible for coverage until after 12 months of employment with FGP. Once you have been assigned to work for FGP and are determined to be eligible for benefits, our Benefits Department will contact you to advise you of your effective date. At that time you may change your initial coverage elections by advising Benefits and submitting a new enrollment form. Any changes however must be submitted to FGP prior to your effective date. Your premiums will not be deducted before your effective date.
Does this plan cover medical services?
This plan is in compliance with ACA rules and regulations. It covers wellness and preventive services only.
Are dependents covered?
Yes. Eligible dependents include your spouse and your children up to age 26.
Note: if you are enrolling in both the Indemnity and MEC products and the name(s) or number of children that you wish to cover under the Indemnity plan varies from the name(s) or number of children you wish to cover under the MEC plan, please contact the Essential StaffCARE Customer Service line at 866-798-0803.
Is there a pre-existing clause for the MEC Wellness/Preventive Plan?
There are no restrictions for pre-existing conditions in this 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.
When should I expect an ID card?
An ID card and confirmation of coverage letter will be mailed to your home address. If you do not receive these documents within 10 business days of your effective date, or if you have a change of address, please contact the Essential StaffCARE Customer Service at 866-798-0803. Present your ID card to the provider at the time of service. These ID cards are used for identification purposes and providers use them to verify eligibility status.
How can I make changes or enroll if I initially declined?
To make changes or enroll if you initially declined, contact your employer and request a change form. Changes are effective the 1st of the month following the date of the change request. You can cancel or reduce coverage at any time. Please remember that you may only enroll or add additional insured members during an open enrollment period or within 30 days of a qualifying life event.