Frequently Asked Questions

General

A: If you miss the deadline to enroll, you are not able to elect coverage for the 2009 - 2010 plan year. Your next opportunity to enroll would be during the year if you have a qualified Family Status Change (see page 5 of the Benefits Enrollment Guide) or during next year's annual enrollment period. If you do not actively enroll, you will be defaulted into employee only-BCBSGA-PPO, life insurance and long term disability.

A: You may access the online Employee Self Service enrollment system to review your current benefit elections and make any necessary changes.

A:Each year you should take a few minutes and review the programs in which you are currently enrolled.
Emory offers a passive enrollment, so if you do not elect to make any changes to your current choices,
you do not have to re-enroll for the upcoming plan year as most of your elections will transfer to the
next plan year. However, the IRS requires participants to re-enroll in the Healthcare and Dependent Day
Care Flexible Spending Accounts each year.

Medical

A: Always review the entire Benefits Enrollment Guide for all plan changes.

A:If you make a plan choice or coverage level change to your current elections, you will receive a new ID card
by mid-July for your health and dental plans. ID cards will be issued to each family member covered
under the plans. Medco and Aetna only issue ID cards to new enrollees. If you do not receive your new ID cards by August 1, 2008, contact your health or dental plan vendor

A: You can log on to Blue Cross Blue Shield of Georgia or Aetna for a current list of medical providers.

A: Call your insurance carrier or access the carrier's web site.

A: As long as they are a full-time student, your dependents can be covered up to age 25. BCBS-GA PPO and Aetna POS both have national networks so there are physicians available. Visit your insurance carrier's web site or contact their member services department to find a doctor.

A: Yes, you are covered for emergency medical treatment when you are traveling out of the country. It is easier to process if you pay by credit card; the charge is converted to U.S. dollars. You should have your documentation translated into English. For all non-emergency services, please contact your provider prior to your visit.

Dental

A: Go to www.compbenefits.com/custom/Emory for a list of dental providers.

A: Yes, however the plan is now closed to new enrollments.

Vision

A: You and your dependents have vision discounts at the Emory Eye Center. There are also discounts on vision through your health care provider. Eyeglass exams are subject to the Core Network office visit co-pay in each health plan.

Flexible Spending Accounts

A: Yes, the IRS requires you to make a new election each year to participate in a Flexible Spending Account. There will be a special enrollment period in the fall for Flexible Spending Accounts only.

A: A Health Care FSA can be used for reimbursement of eligible health care costs for you and your dependents. This includes over-the-counter medications*, contacts, eyeglasses, physician co-pays, prescription drugs etc., for you and your dependents that are not reimbursed by your health care plan.

Dependent Care FSA (daycare) is used for day care and summer camp fees for dependent children under age 13, and/or eldercare expenses for eligible disabled dependents who need care while while you are at work. You must be able to claim all dependents you are seeking reimbursement of expenses for on your income tax return as a dependent.

A: The IRS has ruled certain over-the-counter medications such as antacids, allergy medicine, pain relievers and cold medicines purchased for personal use to alleviate or treat personal injuries or sickness can be reimbursed through a HealthCare FSA. Vitamins and dietary supplements are NOT eligible for reimbursements through a Health Care FSA. An itemized receipt is required to submit your claim*.

A:   Yes. UMR will load both limits (annually for the Healthcare FSA and by pay period for the Dependent Day Care FSA), each in their own separate fund, to your single “Benny” card. When you swipe the card, the merchant code will tell the card which fund to use to pay for the given expense. As always, when using your “Benny” card, be sure to keep all your receipts should you be requested to verify an expense at a later date.

A: Yes, UMR may request receipts for expense verification at a later time.

Important Notes

*Over-the-counter medications cannot be paid for with the debit card. However, you can submit a

Health Care FSA Claim Form

along with the receipts for reimbursement.

Emory University Benefits

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1599 Clifton Road, NE
Atlanta, GA 30322
(404) 727-7613

Disclaimer

Emory reserves the right to terminate, suspend, withdraw, amend or modify the Plan in whole or in part at any time. Further, Emory reserves the right to terminate or modify coverage for any group of employees, active or retired and their dependents or a class of dependents at any time.