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FAQs
Employee Benefits FAQ Contents
Dental
Dependent Elligibility
Life
LTD
Medical
Vision
Medical Questions
Q.
What is the website address of BCBSM?
Q.
How do I find a BCBSM PPO doctor?
Q.
How do I get a benefit booklet that summarizes my health coverage?
Q.
Why did I have to pay a $10 office visit co- payment, when this is supposed to be benefit of my medical insurance plan?
Q.
Which of my dependents are covered by my health insurance?
Q.
Who do I call if I have a question on my health insurance?
Q.
How do I find a BCBSM PPO doctor out-of-state?
Q.
How does the medical referral process work?
Q.
How does the mail order prescription plan work?
Q.
How do I get an extra BCBSM or SET SEG ID card?
Q.
How do I add or remove dependents from my medical plan?
Q.
Why was my Blue Cross Blue Shield of Michigan (BCBSM) claim denied?
Q.
Can out-of-network medical deductibles be submitted to SET for reimbursement?
Q.
How do we submit a claim for co-payments for in- network office visits, emergency room treatment, or mental health services under my Community Blue plan, with supplemental benefits?
Q.
When is a pre-certification necessary for a medical procedure?
Q.
What is the Blue Cross Blue Shield of Michigan mailing address for claim submission?
Q.
What is the status of my Hospital Indemnity claim?
Q.
How can I contact Associated Mutual Hospital Service of Michigan?
Q.
How can I appeal my BCBSM denial of benefits?
Q.
I have the Community Blue plan with supplemental medical benefits. Why did Blue Cross Blue Shield of Michigan pay only 80 percent of my mental health visit when my coverage is for 90 percent?
Q.
Do I have to pay the deductible when an out-of- network anaesthetist is used?
Q.
Is a colonoscopy included in the medical preventive care coverage?
Q.
Is hearing care covered by my medical plan?
Dental Questions
Q.
Who do I call if I have a question on my dental plan?
Q.
How do I get a dental benefit booklet?
Q.
What is the benefit year for dental?
Q.
Do I have to go to a “Participating Doctor” to receive the full benefits for the dental plan?
Q.
How do I add or remove dependents from my dental plan?
Vision Questions
Q.
What is the benefit year for vision?
Q.
How do I add or remove dependents from my vision plan?
Q.
Who do I call if I have a question on my vision plan?
Q.
Do I have to go to a "Participating doctor" to receive the full benefits for the vision plan?
Q.
How do I get a vision benefit booklet?
LTD Questions
Q.
Must the school report the salaries of the covered employees every year for LTD insurance purposes?
Q.
How do I get a LTD benefit booklet?
Q.
Who do I call if I have any questions about our LTD insurance?
Life Questions
Q.
Who do I call if I have any questions about our Life insurance?
Q.
How do I get a Life benefit booklet?
Q.
How does the school file a Life Insurance claim?
Q.
What is a Waiver of Premium for life insurance?
Q.
Must the school report the salaries of the covered employees every year for Life insurance purposes?
Dependent Eligibility Questions
Q.
What if my dependent gets married? When will my dependent's benefits end?
Q.
My dependent turned 19 on November 10, why didn’t I receive a verification letter? Will my dependent be terminated?
Q.
My child goes to college in another town and lives in a dorm/apartment. Can my child still be covered under my insurance?
Q.
Can my child work part time and go to school and still be on my insurance?
Q.
My child made $20,000 last year, goes to college full time, and lives with me. Can I still keep this child on my insurance?
Q.
How much money can my child earn and still be considered a dependent? .
Q.
I’m divorced and according to my divorce decree I was responsible for providing health insurance for my daughter. Now that she is 19 and living with her mother, can I keep her on my insurance?
Q.
What is the premium for COBRA? How do I enroll my dependent(s)?
Q.
Do I need to submit a copy of my child's college records to prove that he is in college full time?
Q.
My child turns 25 on January 8, 2007. When will she be terminated from my benefits?
Q.
How long will my disabled dependent be covered?
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