Health Insurance FAQ

Eligible Dependent
Eligible dependents can include:

• Spouse
• Children to the age of 26 (including natural child, stepchild, legally adopted child, or child placed for adoption)
• Children will be taken off coverage Dec 31st of the year in which they turn 26.

Deductible
This is the amount you pay in covered expenses each plan year before any benefit will be paid for additional covered expenses.

Co-pay
This is the amount you pay to providers for services, and for prescription drugs.

Out-of-pocket Maximum
This is the maximum limit you would have to pay in a Plan Year if you have large medical bills. Certain expenses may not count toward this limit.

Qualifying Event
In order to change any of your benefit choices other than during open enrollment, one of the following must occur:

• Marriage or divorce
• Death, birth or adoption of a dependent
• Spouse begins or ends employment
• Change in employment from full-time to part-time or vice-versa for you or your spouse.

To change your coverage outside of open enrollment, you will need to notify the Human Resources Department within 30 days after the qualifying event.

Bring a copy of your marriage license to HR within 30 days of your marriage, and you will need to fill out forms when you come to HR.

For MESSA, open enrollment is held annually in October.

For Priority Health Group, open enrollment is held annually in May.

Please contact [email protected] or 231-591-2150 for more information.

Health insurance continues based on your job classification or union contract. You are still responsible for your portion of the premiums.