Frequently Asked Questions

Size: px
Start display at page:

Download "Frequently Asked Questions"

Transcription

1 Frequently Asked Questions Table of Contents Eligibility & Enrollment... 2 Who can be covered?... 2 Are my parents eligible for coverage?... 2 My state recognizes same sex marriages; how do I add my domestic partner to my contract? 2 How and when can I add my new spouse to my coverage?... 2 How can I remove my former spouse from my contract and add my new spouse?... 2 What is TCC?... 2 What is spouse equity?... 2 How do I keep coverage for my disabled child at age 26?... 3 How do I add a newborn?... 3 How do I add an adopted child?... 3 How do I add a grandchild or foster child to my coverage?... 4 Enrollment Procedures Chart... 4 ID Cards and Care... 4 Overseas Care... 5 How do I file claims for services overseas?... 5 Medical... 5 Mail Service Pharmacy... 5 Retail Pharmacy... 5 Who can I call for information on services overseas?... 5 Nurse Line (Blue Health Connection)... 5 Online services... 6 Audio library... 6 How do I access nurse line services?... 6 Other Questions and Answers... 6 Please explain medical necessity. If my doctor ordered the care, isn t it medically necessary?... 6 When I call Customer Service, why does the representative ask me so many questions?... 6 What is the difference between?... 7 Is the FEHBP program a Medicare supplement plan?... 7 How do you coordinate benefits when Medicare is primary?... 7 What is the plan allowance?... 7 My Explanation of Benefits (EOB) for services from a preferred provider shows that I must pay a portion of the costs, even though it shows I don't owe any difference. How is this calculated?... 7 I already paid my calendar year deductible. Why aren't you showing it? ( ) An Independent Licensee of the Blue Cross Blue Shield Association

2 Eligibility & Enrollment Who can be covered? The following people are eligible for coverage: Legal spouse Divorced spouses (see information below on the Spouse Equity Act and Temporary Continuation of Coverage, or TCC) Natural children up to age 26 Foster children/grandchildren when residing in the home of the enrollee in a parent-child relationship and whom the enrollee intends to raise to adulthood; includes but is not limited to a child in legal custody of the enrollee; grandchild; niece; or nephew. Please note that a child placed in the home by a welfare agency or social agency that retains control over the child or pays for maintenance does not qualify. Disabled children age 26 and older (incapable of self-support because of a mental or physical disability which existed before age 26) Are my parents eligible for coverage? No, they are not eligible, even if they are dependent upon you for financial support. My state recognizes same sex marriages; how do I add my domestic partner to my contract? Federal law supersedes state law, and federal law does not recognize same sex marriages or domestic partnerships. Therefore, FEHBP does not allow domestic partners to be added to coverage. How and when can I add my new spouse to my coverage? If you are currently covering only yourself, you may change to self and family coverage within 31 days before getting married or 60 days afterward. Please contact your personnel office to make this change on paper or electronically. Your new spouse will be covered as of the date of the marriage. If you already have family coverage, please call your local Plan at the number on the back of your ID card. There is no time limitation in which to add your new spouse to your policy and coverage will be effective as of the date of marriage. How can I remove my former spouse from my contract and add my new spouse? Call your local plan at and give the representative the date of divorce from the active spouse. Also provide the name, date of birth, sex, Social Security number and date of marriage for the new spouse. What is TCC? Temporary Continuation of Coverage (TCC) allows coverage for up to 18 months for former employees and retirees and up to 36 months for dependents after coverage would normally end. Contact your personnel office or the Office of Personnel Management (OPM) for eligibility requirements. What is spouse equity? Spouse equity allows former spouses to enroll in an FEHBP health benefit plan. For information about enrolling under the Spouse Equity Act, you can look at the guide for Temporary Continuation of Coverage and Former Spouse Enrollees on Page 2 of 8

3 How do I keep coverage for my disabled child at age 26? If your child s disability is eligible for continued coverage, your doctor can provide a statement with the needed information. Please contact your local Plan at the number on the back of your ID card for more information. How do I add a newborn? See info below on adding a grandchild or foster child Newborn with the same last name: o Self only policy: the enrollee must contact their Personnel Office to change to family coverage within 60 days after the birth of child. o Family policy: the enrollee can add the new child by calling the local Plan and providing the NAME, DATE OF BIRTH, SEX and SSN, if known. Newborn with different last name: o Self only policy: the enrollee must contact their Personnel Office to change to family coverage within 60 days after the birth of child. o Family policy: the enrollee must provide the following information in writing to the local Plan: EFFECTIVE DATE OF COVERAGE, NAME, DATE OF BIRTH, SEX, RELATIONSHIP TO ENROLLEE, CHILD S ADDRESS and the SSN, if known. FAX the information to: Or mail information to: The Federal Employee Program PO Box Seattle, WA NOTES: Stepchildren must live in a Parent-Child relationship with the Contract Holder. The Contract Holder must be financially responsible for the child and intend to raise him/her to adulthood. If the stepchild temporarily lives elsewhere while attending school or for other reasons, the child is still considered to be an eligible family member if he/she is otherwise living with the policy holder in a regular parent-child relationship. If there is a court order requiring an ex-spouse who is now married to a federal employee to provide health insurance for their child from the former marriage, the child is not eligible for coverage under the federal policy unless a parent-child relationship is established between the stepchild and the contract holder. How do I add an adopted child? Self only policy: The enrollee must contact their Personnel Office to change to a family contract. Self and family policy: The enrollee must provide to the local Plan a letter of approval from the Contract Holder s Payroll/Agency/Personnel or a Court Order (Adoption Decree) regarding the adoption of the child (name, date of birth, effective date of coverage, and SSN). FAX the information to: Or mail information to: The Federal Employee Program PO Box Seattle, WA Page 3 of 8

4 How do I add a grandchild or foster child to my coverage? Submit the child s name, date of birth, sex, Social Security number and a copy of the court order establishing guardianship to our enrollment area by fax to (202) Or, your agency may submit a Foster Child Status Form on your behalf. Enrollment Procedures Chart If you are currently enrolled in: Standard Option coverage - Blue Cross and Blue Shield Service Benefit Plan Standard Option coverage - Blue Cross and Blue Shield Service Benefit Plan Basic Option coverage - Service Benefit Plan Basic Option coverage - Service Benefit Plan Another FEHB plan And you want this coverage for next year: Standard Option coverage - Blue Cross and Blue Shield Basic Option coverage - Basic Option coverage - Standard Option coverage - Standard Option or Basic Option coverage Here is what you do: Do nothing. Your coverage will continue. Complete an SF 2809 and submit it to your health benefits officer or use the appropriate electronic enrollment process* to select Basic Option, enrollment codes 111 (Self Only) and 112 (Self and Family). Do nothing. Your coverage will continue. Complete an SF 2809 and submit it to your health benefits officer or use the appropriate electronic enrollment process* to select Standard Option, enrollment codes 104 (Self Only) and 105 (Self and Family) Complete an SF 2809 and submit it to your health benefits officer or use the appropriate electronic enrollment process* to select Standard Option, enrollment codes 104 and 105 (Self Only, Self and Family), or Basic Option, enrollment codes 111 and 112 (Self Only, Self and Family). * Some federal agencies use an electronic system, such as Employee Express, to handle Open Season enrollment transactions. In addition, all annuitants use an electronic process for enrollment changes. If you use an electronic system, active employees will not complete an SF 2809 to submit to your health benefits officer or annuitants to the US Office of Personnel Management (OPM). ID Cards and Care I have changed coverage and need my ID card right away; how do I speed up the process? If available, make a copy of your completed SF 2809 enrollment form (give the original to your health benefits office at your agency) or if you use an electronic enrollment system, make a copy of your confirmation form. Send or fax the copy to: CareFirst BlueCross BlueShield FEP Operations Center Attn: Expedited Enrollment 840 First Street NE Washington, DC Fax: If you use this expedited enrollment process, you will have your ID card within 14 days. Page 4 of 8

5 If I need medical care or prescription drugs before I receive my ID card, what do I do? Physician, hospital or dental care: Show the provider a copy of your SF 2809 enrollment form as proof of enrollment. Mail service pharmacy: Call for information (not available until your membership is processed). Retail pharmacy service: You must pay full retail price. Once you receive your ID card, submit a claim form for reimbursement. Claim forms are available on the web at Call for more information. Overseas Care What resources do I have to help me with health care services while overseas? Outside the US and Puerto Rico, the worldwide Assistance Center can help you: find a physician refer you to a participating hospital or facility verify your enrollment make transportation arrangements to another health care setting Contact: Inside the U.S. and Puerto Rico Outside the U.S. and Puerto Rico (call collect) You can also access information about benefits overseas on under the Benefits feature on the homepage. How do I file claims for services overseas? Visit for a copy of the overseas claim form and more information on submitting claims. Send claims for reimbursement as follows: Medical: CareFirst BlueCross BlueShield, P.O. Box 96242, Washington, DC Mail Service Pharmacy: Caremark, P.O. Box 52056, Phoenix, AZ Retail Pharmacy: Service Benefit Plan, Retail Pharmacy Program, P.O. Box 52057, Phoenix, AZ Who can I call for information on services overseas? Call Nurse Line (Blue Health Connection) What services does the nurse line provide? If you believe you are experiencing a life-threatening emergency, please call For other health related questions and concerns, your benefits include access to a Nurse Line through Blue Health Connections by calling Registered nurses are available anytime day or night to thoroughly assess your symptoms and address your concerns. Page 5 of 8

6 Nurses: Help you make informed decisions regarding the most appropriate time and place for care; give selfcare instructions to help you start feeling better while awaiting any additional care; or if no other care is recommended, will call back to see how you re doing. Provide long-term health counseling for chronic conditions or long illnesses, working with your doctor to help you understand tests, treatments and surgical options so you are able to make informed decisions; answer any general health questions; and explain procedures or tests you are considering or planning. Help you find information about providers in the network; select specialists to meet your needs; and point to resources, such as seminars and support groups, that are close to home. Online services: You may a nurse counselor, or research the health library of more than 1,100 topics if a situation does not require an immediate response. Audio library: You may listen to more than 450 recordings on a variety of health topics 24 hours a day. If you wish, you may order printed information. How do I access nurse line services? The Blue Health Connection number appears on the back of your ID card. Call BLUE-432 ( ) 24 hours a day, 7 days a week. You can also access Blue Health Connection online at The Blue Health Connection web site allows you to access ask-a-nurse via . A nurse will respond to your question(s) within 24 hours. There is also a helpful resource to learn more about medical conditions, tests and other medical terms. Hearing or speech impaired enrollees contact your local Telecommunications Relay Services (TRS) or , Monday-Friday 8 a.m.-8 p.m. Eastern Standard Time Other Questions and Answers Please explain medical necessity. If my doctor ordered the care, isn t it medically necessary? The fact that a covered provider has prescribed, recommended or approved a service, drug, supply or equipment does not, in itself, make it medically necessary or covered. To be medically necessary, the services: Must be appropriate to prevent, diagnose or treat the patient s condition, illness or injury Must be consistent with standards of good medical practice in the U.S. Cannot be primarily for the personal comfort or convenience of the patient, the family or the provider Cannot be a part of, or associated with, the scholastic education or vocational training of the patient Cannot be provided safely on an outpatient basis, in the case of inpatient care When I call Customer Service, why does the representative ask me so many questions? First, to protect your privacy we ask questions that will help us determine who is calling. Second, we ask questions so we can answer you completely and accurately. Page 6 of 8

7 It is our responsibility to protect your privacy. Under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the Gramm-Leach-Bliley Act, and other state and federal privacy laws, we must take measures to protect the privacy of your personal information your name, Social Security number, address, telephone number, account number, employment, medical history, health records, claims information, etc. The first step is validating who is calling. We are dedicated and committed to ensuring we provide you with excellent customer service and answering your questions accurately. To provide this service, Customer Service staff may need to ask for more information to assist them with their research. It helps if you have your ID card number and the following information available when you call. Claim questions Date of service Total submitted charges Provider s name Benefits Type of services Reason for your visit Provider s name, if known What is the difference between? Blue Cross originally was an insurance program for hospitalizations, while Blue Shield was an insurance program for doctors services. Today, the licensees contract with both doctors and hospitals. Is the FEHBP program a Medicare supplement plan? No, it is not. However, we do coordinate benefits with Medicare. How do you coordinate benefits when Medicare is primary? After Medicare pays its portion of the bill, we pay the Medicare copayments, coinsurance and deductibles for any covered services. For any services that Medicare denies as patient responsibility, we pay at 100% of our allowance for covered services What is the plan allowance? The plan allowance is a contracted amount that the plan will cover for a certain service. For more details on the plan allowance, please see the Service Benefit Plan. My Explanation of Benefits (EOB) for services from a preferred provider shows that I must pay a portion of the costs, even though it shows I don't owe any difference. How is this calculated? When you use a preferred provider, you are not responsible for the difference between the billed amount (the provider s charge) and the allowable charge (the amount our preferred providers accept for the service). Once this difference has been calculated, you are responsible for any deductible, coinsurance and copayments for the services, depending on your plan (Standard or Basic Option). Your EOB also shows you if there are any charges for non-covered services, which are also your responsibility to pay. Page 7 of 8

8 I already paid my calendar year deductible. Why aren't you showing it? Any amount that you pay to the provider at the time of services will not show in our system until the claim has been processed and pays. This includes your calendar year deductible, copayments and coinsurance. Page 8 of 8

Changes to Federal Benefits Eligibility Due to Health Reform Frequently Asked Questions (FAQs)

Changes to Federal Benefits Eligibility Due to Health Reform Frequently Asked Questions (FAQs) Changes to Federal Benefits Eligibility Due to Health Reform Frequently Asked Questions (FAQs) I. Extension of Child Eligibility Until Age 26 Introduction (Questions 1-4) Eligibility (Questions 5-14) Enrollment

More information

Information for Retirees and Survivor Annuitants About the Federal Employees Health Benefits Program

Information for Retirees and Survivor Annuitants About the Federal Employees Health Benefits Program Information for Retirees and Survivor Annuitants About the Federal Employees Health Benefits Program This pamphlet has important information about the Federal Employees Health Benefits (FEHB) Program for:

More information

FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT

FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT BENEFIT INFORMATION CLAIMS STATUS/INFORMATION GENERAL INFORMATION PROVIDERS THE SIGNATURE 90 ACCOUNT PLAN THE SIGNATURE 80 PLAN USING YOUR

More information

Life Events and Your Retirement and Insurance Benefits

Life Events and Your Retirement and Insurance Benefits Life Events and Your Retirement and Insurance Benefits (For Employees) United States Retirement and Theodore Roosevelt Building Office of Insurance 1900 E Street, NW Personnel Service Washington, DC 20415-0001

More information

The Federal Employees Health Benefits Program and Medicare

The Federal Employees Health Benefits Program and Medicare The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits

More information

CHAPTER 12 FEDERAL EMPLOYEES HEALTH BENEFIT PROGRAM (FEHB) Section I - General

CHAPTER 12 FEDERAL EMPLOYEES HEALTH BENEFIT PROGRAM (FEHB) Section I - General CHAPTER 12 FEDERAL EMPLOYEES HEALTH BENEFIT PROGRAM (FEHB) 1-1. General. Section I - General a. The FEHB is a voluntary program designed to protect the technician and his family from high cost of illness

More information

Guide to MHBP and Medicare

Guide to MHBP and Medicare Guide to MHBP and Medicare You ve Earned It... Go Get It! You ve Earned It You ll be eligible for Medicare soon. You owe it to yourself to take full advantage of these long-awaited benefits. Medicare Part

More information

Retiree Medical Plan. Employee Benefits. Boeing Medicare Supplement Plan Summary Plan Description/2006. Retiree Medical Plan

Retiree Medical Plan. Employee Benefits. Boeing Medicare Supplement Plan Summary Plan Description/2006. Retiree Medical Plan Employee Benefits Retiree Medical Plan Retiree Medical Plan Boeing Medicare Supplement Plan Summary Plan Description/2006 Retired Union Employees Formerly Represented by SPEEA (Professional and Technical

More information

Medicare & NYSHIP. NYS and PE Retirees. May 2006

Medicare & NYSHIP. NYS and PE Retirees. May 2006 NYS and PE Retirees May 2006 Medicare & NYSHIP Important Health Insurance Information for Retirees, Vestees, Dependent Survivors, Preferred List Enrollees and their Enrolled Dependents covered under the

More information

2016 Evidence of Coverage for Passport Advantage

2016 Evidence of Coverage for Passport Advantage 2016 Evidence of Coverage for Passport Advantage EVIDENCE OF COVERAGE January 1, 2016 - December 31, 2016 Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Passport

More information

Blue Cross and Blue Shield Service Benefit Plan http://www.fepblue.org

Blue Cross and Blue Shield Service Benefit Plan http://www.fepblue.org Blue Cross and Blue Shield Service Benefit Plan http://www.fepblue.org 2014 A fee-for-service plan (standard and basic option) with a preferred provider organization IMPORTANT: Rates: Back Cover Changes

More information

FEDERAL BENEFITS OPEN SEASON

FEDERAL BENEFITS OPEN SEASON FEDERAL BENEFITS OPEN SEASON Information for Employees of the USDA Marketing and Regulatory Programs (APHIS, AMS, & GIPSA) and Natural Resources Conservation Service (NHQ & GA) Open season runs from Monday,

More information

Employee Enrollment Guide

Employee Enrollment Guide Employee Enrollment Guide Your PEBB Benefits for 2015 Forms Inside HCA 50-100 (3/15) Contact the Plans Medical Plans Group Health Classic, Value, or Group Health Options, Inc. (CDHP) Kaiser Permanente

More information

CONSTRUCTION INDUSTRY LABORERS HEALTH & WELFARE FUND FREQUENTLY ASKED QUESTIONS & ANSWERS Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS?

CONSTRUCTION INDUSTRY LABORERS HEALTH & WELFARE FUND FREQUENTLY ASKED QUESTIONS & ANSWERS Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS? Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS? A. You can become eligible and receive benefits by working a sufficient number of hours for a Contributing Employer who makes contributions to

More information

HMO ILLINOIS A Blue Cross HMO a product of BlueCross BlueShield of Illinois SAMPLE COPY. Your Health Care Benefit Program

HMO ILLINOIS A Blue Cross HMO a product of BlueCross BlueShield of Illinois SAMPLE COPY. Your Health Care Benefit Program HMO ILLINOIS A Blue Cross HMO a product of BlueCross BlueShield of Illinois SAMPLE COPY Your Health Care Benefit Program A message from BLUE CROSS AND BLUE SHIELD Your Group has entered into an agreement

More information

Blue Cross and Blue Shield Service Benefit Plan

Blue Cross and Blue Shield Service Benefit Plan Blue Cross and Blue Shield Service Benefit Plan http://www.fepblue.org 2013 A fee-for-service plan (standard and basic option) with a preferred provider organization Sponsored and administered by: The

More information

& Medicare NYSHIP. January 2014. New York State Department of Civil Service, Employee Benefits Division

& Medicare NYSHIP. January 2014. New York State Department of Civil Service, Employee Benefits Division January 2014 & Medicare NYSHIP NY and PE Retirees Important Health Insurance Information for Retirees, Vestees, Dependent Survivors, Preferred List Enrollees and their Enrolled Dependents and Young Adult

More information

2015 Evidence of Coverage

2015 Evidence of Coverage Molina Medicare Options Plus HMO SNP Member Services Method Member Services Contact Information CALL (800) 665-1029 Calls to this number are free. 7 days a week, 8 a.m. to 8 p.m., local time. Member Services

More information

FREQUENT ASKED QUESTIONS Revised: October 2014

FREQUENT ASKED QUESTIONS Revised: October 2014 FREQUENT ASKED QUESTIONS Revised: October 2014 CONTACT Virgie Bloodworth Insurance Specialist 5801 Sundale Ave. Bakersfield, CA 93309 Phone: (661) 827-3164 E-mail address: vbloodworth@khsd.k12.ca.us COST

More information

State Group Insurance Program. Continuing Insurance at Retirement

State Group Insurance Program. Continuing Insurance at Retirement State Group Insurance Program Continuing Insurance at Retirement State and Higher Education January 2015 If you need help... For additional information about a specific benefit or program, refer to the

More information

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com GEHA 2014 Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com CODE Self Only 341 Self + Family 342 Enrollment checklist 1. Research health

More information

2015 Evidence of Coverage

2015 Evidence of Coverage 2015 Evidence of Coverage Akamai Advantage Complete Plus (PPO) HMSA Akamai Advantage An Independent Licensee of the Blue Cross and Blue Shield Association H3832_1127_15_AA_Complete_Plus Accepted January

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2016 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Advantra Silver (HMO) This booklet gives you the details about

More information

Medicare Fact Sheet. Fact Sheet: Medicare

Medicare Fact Sheet. Fact Sheet: Medicare Medicare Fact Sheet Fact Sheet: Medicare 2 If you re 65 or older and not working, chances are your primary health insurance will come through Medicare the popular federal program begun in the 1960s to

More information

This guide was designed for employees in the University System of Georgia Indemnity HealthCare plan who reside abroad

This guide was designed for employees in the University System of Georgia Indemnity HealthCare plan who reside abroad University System of Georgia Guide for GA TECH Employees Residing Abroad This guide was designed for employees in the University System of Georgia Indemnity HealthCare plan who reside abroad. Frequently

More information

Your Health Care Benefit Program

Your Health Care Benefit Program Your Health Care Benefit Program HMO ILLINOIS A Blue Cross HMO a product of Blue Cross and Blue Shield of Illinois HMO GROUP CERTIFICATE RIDER This Certificate, to which this Rider is attached to and becomes

More information

Federal Employees Health Benefits (FEHB) Facts

Federal Employees Health Benefits (FEHB) Facts Federal Employees Health Benefits (FEHB) Facts Information for Federal Civilian Employees on the Federal Employees Health Benefits Program. U.S. Office of Personnel Management RI 75-13 Revised July 2008

More information

Federal Employee Health Benefits (FEHB) Program Frequently Asked Questions for Temporary Firefighters

Federal Employee Health Benefits (FEHB) Program Frequently Asked Questions for Temporary Firefighters Federal Employee Health Benefits (FEHB) Program Frequently Asked Questions for Temporary Firefighters 1. Am I eligible to enroll in FEHB coverage at this time? The Office of Personnel Management (OPM)

More information

Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP

Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP This booklet gives you the

More information

Your Health Care Benefit Program

Your Health Care Benefit Program Your Health Care Benefit Program HMO ILLINOIS A Blue Cross HMO a product of Blue Cross and Blue Shield of Illinois A message from BLUE CROSS AND BLUE SHIELD Your Group has entered into an agreement with

More information

Triple-S Salud. http://www.ssspr.com Customer Service 787-774-6060 or 1-800-981-3241

Triple-S Salud. http://www.ssspr.com Customer Service 787-774-6060 or 1-800-981-3241 Triple-S Salud http://www.ssspr.com Customer Service 787-774-6060 or 1-800-981-3241 2015 A Health Maintenance Organization (high option) with a point of service product This plan's health coverage qualifies

More information

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Frequently Asked Questions High Deductible Health Plan (HDHP) with Health Savings Account (HSA) There are two components to the High Deductible Health Plan (HDHP) with HSA Medical Plan the HDHP Health

More information

POSTAL SUPPORT EMPLOYEES and APWU Health Benefits ORGANIZATION DEPARTMENT

POSTAL SUPPORT EMPLOYEES and APWU Health Benefits ORGANIZATION DEPARTMENT POSTAL SUPPORT EMPLOYEES and APWU Health Benefits ORGANIZATION DEPARTMENT 2015 YOU MAY NOW BE ELIGIBLE FOR HEALTH INSURANCE 2 Welcome to the APWU! The APWU Consumer Driven Health Plan offers PSEs important

More information

Regence Bridge Medigap (Medicare Supplement) Plans

Regence Bridge Medigap (Medicare Supplement) Plans Regence Bridge Medigap (Medicare Supplement) Plans for Clark County, Washington Making sure you have the coverage that is right for you. Regence BlueCross BlueShield of Oregon is an Independent Licensee

More information

Kaiser Foundation Health Plan, Inc. Northern California Region: Fresno

Kaiser Foundation Health Plan, Inc. Northern California Region: Fresno Kaiser Foundation Health Plan, Inc. http://kp.org/feds Member Services Call Center 1-800-464-4000 (TTY: 1-800-777-1370) 2015 A Health Maintenance Organization (High and Standard Options) This plan s health

More information

Federal Employees Health Benefits (FEHB) Facts

Federal Employees Health Benefits (FEHB) Facts FEHB Federal Employees Health Benefits Federal Employees Health Benefits (FEHB) Facts Information for Federal Civilian Employees on the Federal Employees Health Benefits Program. United States Office of

More information

& Medicare NYSHIP. January 2013. New York State Department of Civil Service, Employee Benefits Division

& Medicare NYSHIP. January 2013. New York State Department of Civil Service, Employee Benefits Division January 2013 & Medicare NYSHIP NY and PE Retirees Important Health Insurance Information for Retirees, Vestees, Dependent Survivors, Preferred List Enrollees and their Enrolled Dependents and Young Adult

More information

You ARE EMBARKING ON THE NEXT CHAPTER OF YOUR LIFE

You ARE EMBARKING ON THE NEXT CHAPTER OF YOUR LIFE You ARE EMBARKING ON THE NEXT CHAPTER OF YOUR LIFE DO YOU HAVE A PLAN? HIGHMARKBCBSDE.COM APPLYING FOR Your MEDICARE SUPPLEMENT To apply for coverage through Highmark Blue Cross Blue Shield Delaware (Highmark

More information

2015 Medicare Supplement Program

2015 Medicare Supplement Program 2015 Medicare Supplement Program NUSCO Retiree Health Plan Medicare Eligible Retirees and Surviving Spouses Your Medicare Supplement Program This guide can help you better understand your Medicare Supplement

More information

Business Blue SM. Employee Booklet. Group and Individual Division. Bus.Blue book SMGRP-NGF (Rev. 1/12) High Deductible Ord.

Business Blue SM. Employee Booklet. Group and Individual Division. Bus.Blue book SMGRP-NGF (Rev. 1/12) High Deductible Ord. Business Blue SM Employee Booklet Group and Individual Division Bus.Blue book SMGRP-NGF (Rev. 1/12) www.southcarolinablues.com Dear Member: I would like to take this opportunity to welcome you to Blue

More information

Blue Cross and Blue Shield Service Benefit Plan

Blue Cross and Blue Shield Service Benefit Plan Blue Cross and Blue Shield Service Benefit Plan October 22, 2015 Blue Cross Blue Shield Association is an Association of independent Blue Cross and Blue Shield companies. 2 Welcome & Introductions Anthony

More information

MEMBER S NAME (LAST, FIRST, M.I.) MEMBER ID OR SSN PHONE NUMBER ( ) PHYSICAL ADDRESS (CANNOT BE A PO BOX) COUNTY OF RESIDENCE EMAIL ADDRESS

MEMBER S NAME (LAST, FIRST, M.I.) MEMBER ID OR SSN PHONE NUMBER ( ) PHYSICAL ADDRESS (CANNOT BE A PO BOX) COUNTY OF RESIDENCE EMAIL ADDRESS Department of Technology, Management & Budget Office of Retirement Services www.michigan.gov/ors (800) 381-5111 P.O. Box 30171 Lansing, MI 48909-7671 Insurance Enrollment/Change Request MEMBER S NAME (LAST,

More information

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights National Automatic Sprinkler Industry Welfare Fund Benefits Highlights 2014 This Benefits Highlights booklet does not contain the full plan document and is not a Summary Plan Description for the NASI Welfare

More information

UNCLASSIFIED (U) U.S. Department of State Foreign Affairs Manual Volume 3 Personnel 3 FAM 3600 BENEFITS

UNCLASSIFIED (U) U.S. Department of State Foreign Affairs Manual Volume 3 Personnel 3 FAM 3600 BENEFITS 3 FAM 3600 BENEFITS 3 FAM 3610 FEDERAL EMPLOYEES HEALTH BENEFITS PROGRAM, LONG-TERM CARE INSURANCE, AND FLEXIBLE SPENDING ACCOUNTS (Office of Origin: HR/ER/WLD) 3 FAM 3611 AUTHORITIES a. The legal authorities

More information

Effective Jan. 1, 2015. STRS Ohio Health Care Program Guide

Effective Jan. 1, 2015. STRS Ohio Health Care Program Guide Effective Jan. 1, 2015 2015 STRS Ohio Health Care Program Guide 2 www.strsoh.org Welcome Thank you for your interest in the STRS Ohio Health Care Program. We understand that choosing a health care plan

More information

Federal Employee Program (FEP) Service Benefit Plan Coverage for Federal Employees

Federal Employee Program (FEP) Service Benefit Plan Coverage for Federal Employees Service Benefit Plan Coverage for Federal Employees In this Section The following topics are covered in this section. Topic Page Federal Employee Program (FEP) Overview H 2 No PCP or Referrals H 2 Enrollment

More information

Medicare + GEHA. Protect yourself from unexpected health care expenses

Medicare + GEHA. Protect yourself from unexpected health care expenses Medicare + GEHA Protect yourself from unexpected health care expenses Table of contents Facts about Medicare 5 Medicare Part A 6 Medicare Part B 6 Medicare Part C 7 Medicare Part D 8 GEHA + Medicare 10

More information

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Michigan State University 2014 Open Enrollment Blue Care Network is a nonprofit corporation and independent licensee of the Blue Cross

More information

Life Events & Your Retirement & Insurance Benefits Compliments of feddesk.com

Life Events & Your Retirement & Insurance Benefits Compliments of feddesk.com Life Events & Your Retirement & Insurance Benefits Compliments of feddesk.com FREE Weekly Handbooks - Every week, feddesk.com brings you the latest FREE handbooks published by the Federal Government. Written

More information

All Employees: State March 12, 1998

All Employees: State March 12, 1998 United States Department of State Department Notice All Employees: State March 12, 1998 DEPARTMENT OF STATE Federal Employee Health Benefit (FEBB) TEMPORARY CONTINUATION OF COVERAGE (TCC) PROGRAM for Separating

More information

APWU Health Plan s Blueprint to. Understanding your health insurance coverage

APWU Health Plan s Blueprint to. Understanding your health insurance coverage APWU Health Plan s Blueprint to Understanding your health insurance coverage This guide is designed to help you understand how APWU Health Plan works with Medicare. Dealing with one health insurance company

More information

CITY COLLEGES OF CHICAGO. 2016 Retiree Benefits OPEN ENROLLMENT. November 9, 2015 November 25, 2015

CITY COLLEGES OF CHICAGO. 2016 Retiree Benefits OPEN ENROLLMENT. November 9, 2015 November 25, 2015 CITY COLLEGES OF CHICAGO 2016 Retiree Benefits OPEN ENROLLMENT November 9, 2015 November 25, 2015 Mark Your Calendars! Enrollment Form is Due NOVEMBER 25, 2015 NON-EARLY RETIREES & SURVIVING SPOUSES WWW.CCC.EDU

More information

Regence Bridge Medigap (Medicare Supplement) Plans

Regence Bridge Medigap (Medicare Supplement) Plans Information Brochure Regence Bridge Medigap (Medicare Supplement) Plans Making sure you have the coverage that is right for you. Regence BlueShield of Idaho is an Independent Licensee of the Blue Cross

More information

Coverage Comparison Chart

Coverage Comparison Chart Coverage Comparison Chart Premera Blue Cross $500 Deductible/$1000 Deductible/CDHP Deductible PPO Plans $500-Deductible PPO Alaska Plan $1,000-Deductible PPO Alaska Plan CDHP $1,500-Deductible HSA-qualifed

More information

Union Health Service

Union Health Service Union Health Service www.unionhealth.org 2015 A Health Maintenance Organization This plan's health coverage qualifies as minimum essential coverage and meets the minimum value standard for the benefits

More information

Enrollment Application

Enrollment Application 2015 MEDICARE ADVANTAGE Enrollment Application Senior Blue HMO Forever Blue Medicare PPO Optional Supplemental Dental If you have any questions, we re here to help! bcbswny.com/medicare 1-800-248-9296

More information

Guide To Federal Benefits

Guide To Federal Benefits The 2011 Guide To Federal Benefits For TCC and Former Spouse Enrollees/ Individuals Eligible To Enroll For: Temporary Continuation of Coverage (TCC); Coverage under the Spouse Equity Provisions of FEHB

More information

KPS Health Plans. www.kpsfederal.com. Customer Service 1-800-552-7114

KPS Health Plans. www.kpsfederal.com. Customer Service 1-800-552-7114 KPS Health Plans www.kpsfederal.com Customer Service 1-800-552-7114 2015 A Prepaid Comprehensive Medical Plan (high and standard option) with a Point of Service product, and a high deductible health plan

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2014 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of First Choice VIP Care (HMO-SNP) This booklet gives you the details

More information

Please complete electronically, or in blue or black ink only. Employer name Group no. Subsection

Please complete electronically, or in blue or black ink only. Employer name Group no. Subsection Employee Enrollment Application For 51+ Employee s Georgia You, the employee, must complete this application. You are solely responsible for its accuracy and completeness. To avoid the possibility of delay,

More information

A KPS Federal Plan. Medicare

A KPS Federal Plan. Medicare A KPS Federal Plan Medicare Covers most of your out of pocket medical expenses! Medicare & KPS FEHB Guide Page 1 Table of Contents Page Medicare & You 3 Facts about Medicare 4 Medicare & the KPS Federal

More information

Your Health Care Benefit Program. BlueChoice Certificate of Benefits

Your Health Care Benefit Program. BlueChoice Certificate of Benefits YourHealthCareBenefitProgram BlueChoice Certificate of Benefits 1400 South Boston P.O. Box 3283 Tulsa, Oklahoma 74102-3283 600600.0114 Effective January 1, 2014 Table of Contents Certificate... 1 Important

More information

APPLICATION FOR HEALTH CARE COVERAGE FOR UNINSURED CHILDREN AND ADULTS

APPLICATION FOR HEALTH CARE COVERAGE FOR UNINSURED CHILDREN AND ADULTS APPLICATION FOR HEALTH CARE COVERAGE FOR UNINSURED CHILDREN AND ADULTS 1. Please read the enclosed brochure for important information. 2. You may use this application to apply for Special Care for adults

More information

Health Insurance Plan (HIP/HMO)

Health Insurance Plan (HIP/HMO) Health Insurance Plan (HIP/HMO) http://www.emblemhealth.com Customer Service 1-800-HIP-TALK (1-800-447-8255) A Health Maintenance Organization (high and standard option) 2014 This plan's health coverage

More information

Health Insurance Overview

Health Insurance Overview Spotsylvania County Open Enrollment August 10 to 28, 2015 Plan Year: October 1, 2015 to September 30, 2016 Health Insurance Overview All Full Time employees are eligible to participate in the County Health

More information

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees Retiree Health Care Plan Benefits 2012 Enrollment Guide Medical Coverage: Pre-Medicare Retirees You ll choose from four medical plans: Basic, Comprehensive, Health Reimbursement Arrangement (HRA) and Health

More information

Amtrak Agreement-Covered Employee Benefits Handbook

Amtrak Agreement-Covered Employee Benefits Handbook Amtrak Agreement-Covered Employee Benefits Handbook TABLE OF CONTENTS 1 SECTION 1: Introduction 5 SECTION 2: Life Events That Affect Your Benefits 27 SECTION 3: Eligibility And Participation 39 SECTION

More information

BlueCross65. Medicare Supplement Plans

BlueCross65. Medicare Supplement Plans BlueCross65 Medicare Supplement Plans Medicare Supplement Coverage Filling the Gaps of Your Medicare Coverage With Medicare Part A and Part B alone, you are required to pay deductibles and coinsurance

More information

Individual & Family Health Insurance Application/Change Form

Individual & Family Health Insurance Application/Change Form FOR INTERNAL USE ONLY HIOS ID#: EC: 78124NY0900009-00 IFFG Individual & Family Health Insurance Application/Change Form Please print clearly and complete all sections that apply to you Additional instructions

More information

Blue Cross and Blue Shield Service Benefit Plan http://www.fepblue.org

Blue Cross and Blue Shield Service Benefit Plan http://www.fepblue.org Blue Cross and Blue Shield Service Benefit Plan http://www.fepblue.org 2015 A fee-for-service plan (standard and basic option) with a preferred provider organization IMPORTANT: Rates: Back Cover Changes

More information

Lovelace Health Plan Administered by Blue Cross and Blue Shield of New Mexico

Lovelace Health Plan Administered by Blue Cross and Blue Shield of New Mexico Lovelace Health Plan http://www.bcbsnm.com (855)235-1039 Statewide A Health Maintenance Organization 2015 This plan's health coverage qualifies as minimum essential coverage and meets the minimum value

More information

Kaiser Foundation Health Plan, Inc. Southern California Region

Kaiser Foundation Health Plan, Inc. Southern California Region Kaiser Foundation Health Plan, Inc. http://kp.org/feds Member Services Call Center 1-800-464-4000 (TTY 1-800-777-1370) 2014 A Health Maintenance Organization (High and Standard Options) This plan s health

More information

It's Your Fund - Your Money - Your Choice You can earn up to $2,400 per year

It's Your Fund - Your Money - Your Choice You can earn up to $2,400 per year UFCW Local 1776 and Participating Employers Health and Welfare Fund 3031 B Walton Road, Plymouth Meeting, PA 19462 Phone (610) 941-9400 Fax (610) 941-5325 www.ufcw1776benefitfunds.org fund@1776funds.org

More information

POS. Point-of-Service. Coverage You Can Trust

POS. Point-of-Service. Coverage You Can Trust POS Point-of-Service Coverage You Can Trust Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees of the Blue Cross and Blue Shield Association. Coverage

More information

OUTLINE OF COVERAGE. Regence Bridge. Medicare Supplement (Medigap) Plans

OUTLINE OF COVERAGE. Regence Bridge. Medicare Supplement (Medigap) Plans OUTLINE OF COVERAGE Regence Bridge Medicare Supplement (Medigap) Plans Regence BlueCross BlueShield of Utah is an Independent Licensee of the Blue Cross and Blue Shield Association 09713rep07355-ut UT

More information

Humana Health Plans of Puerto Rico, Inc.

Humana Health Plans of Puerto Rico, Inc. Humana Health Plans of Puerto Rico, Inc. http://feds.humana.com 1-800-314-3121 option 9 2013 A Health Maintenance Organization with a Point of Service product Serving: The Commonwealth of Puerto Rico Enrollment

More information

2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS

2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS 2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS Enroll Online any time, day or night at www.brinkernation.com Step-by-Step Instructions 1. Go to www.brinkernation.com 2. If this is your first time

More information

Your Health Care Benefit Program. BlueChoice PPO Basic Option Certificate of Benefits

Your Health Care Benefit Program. BlueChoice PPO Basic Option Certificate of Benefits Your Health Care Benefit Program BlueChoice PPO Basic Option Certificate of Benefits 1215 South Boulder P.O. Box 3283 Tulsa, Oklahoma 74102 3283 70260.0208 Effective May 1, 2010 Table of Contents Certificate............................................................................

More information

Your Guide to GeoBlue Expat

Your Guide to GeoBlue Expat New York University Abu Dhabi Your Guide to GeoBlue Expat Welcome to GeoBlue, a program designed to keep you safe and healthy as you travel the world. Your GeoBlue Expat health insurance plan features

More information

Medicare 101 Guide Your Guide to Medicare Basics

Medicare 101 Guide Your Guide to Medicare Basics Medicare 101 Guide Your Guide to Medicare Basics Y0013_16_MEDGUI Accepted 11232015 bcbstmedicare.com Get More from Your Medicare This guide helps you understand how Medicare s different parts work and

More information

PPO Choice. It s Your Choice!

PPO Choice. It s Your Choice! Offered by Capital Advantage Insurance Company A Capital BlueCross Company PPO Choice It s Your Choice! Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees

More information

Life Events and Your Retirement and Insurance Benefits (For Annuitants)

Life Events and Your Retirement and Insurance Benefits (For Annuitants) Life Events and Your Retirement and Insurance Benefits (For Annuitants) Civil Service Retirement System (CSRS) Federal Employees Retirement System (FERS) Table of Contents Page no. How to Reach Us...1

More information

Employee Group Insurance Benefit Handbook

Employee Group Insurance Benefit Handbook Employee Group Insurance Benefit Handbook Rev. 2/24/15 General Information The State Personnel Department Benefits Division is responsible for employee statewide benefit programs including health, dental,

More information

DECISION GUIDE. 2015 Regence Medicare Advantage PPO Plans

DECISION GUIDE. 2015 Regence Medicare Advantage PPO Plans DECISION GUIDE 2015 Regence Medicare Advantage PPO Plans Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association

More information

A PATIENT S GUIDE Understanding Your Healthcare Benefits

A PATIENT S GUIDE Understanding Your Healthcare Benefits A PATIENT S GUIDE Understanding Your Healthcare Benefits This guide includes useful information about how health insurance works and the reimbursement process used to pay for treatments. TABLE OF CONTENTS

More information

Aetna Open Choice PPO

Aetna Open Choice PPO Aetna Open Choice PPO The Aetna PPO has an in-network benefit level and an out-of-network benefit level. Each time you seek care, you can choose between two levels of coverage: Preferred care provided

More information

Medicare Supplement Plan for Retirees of Washington University. Enrolled in Medicare Part A and Part B

Medicare Supplement Plan for Retirees of Washington University. Enrolled in Medicare Part A and Part B Medicare Supplement Plan for Retirees of Washington University Enrolled in Medicare Part A and Part B Administered by Anthem Blue Cross Blue Shield Effective January 1, 2015 The following benefit plan

More information

Group Health Benefit. Benefits Handbook

Group Health Benefit. Benefits Handbook Group Health Benefit Benefits Handbook IMPORTANT DO NOT THROW AWAY Contents INTRODUCTION... 3 General Overview... 3 Benefit Plan Options in Brief... 4 Contact Information... 4 ELIGIBILITY REQUIREMENTS...

More information

This certificate of coverage is only a representative sample and does not constitute an actual insurance policy or contract.

This certificate of coverage is only a representative sample and does not constitute an actual insurance policy or contract. Your Health Care Benefit Program BLUE PRECISION HMO a product of Blue Cross and Blue Shield of Illinois A message from BLUE CROSS AND BLUE SHIELD Your Group has entered into an agreement with us (Blue

More information

Employee Health Benefits Election Form

Employee Health Benefits Election Form Employee Health Benefits Election Form Form Approved: OMB. 3206-0160 Uses for Standard Form (SF) 2809 Use this form to: Enroll in the FEHB Program; or Elect not to enroll in the FEHB Program (employees

More information

FEHBP and Medicare: Make the BEST Choice

FEHBP and Medicare: Make the BEST Choice FEHBP and Medicare: Make the BEST Choice A NARFE Federal Benefits Institute Webinar Presented by Tammy Flanagan Sponsored by Medicare Original Medicare: Part A Hospitalization Part B Doctors services,

More information

Effective Jan. 1, 2016. STRS Ohio Health Care Program Guide

Effective Jan. 1, 2016. STRS Ohio Health Care Program Guide Effective Jan. 1, 2016 2016 STRS Ohio Health Care Program Guide 2 www.strsoh.org Welcome Thank you for your interest in the STRS Ohio Health Care Program. We understand choosing a health care plan is an

More information

and How to Enroll Medical and Vision Care Programs for Pre-Medicare Retirees WE ARE BNSF.

and How to Enroll Medical and Vision Care Programs for Pre-Medicare Retirees WE ARE BNSF. Who Is Eligible and and How to Enroll Medical and Vision Care Programs for Pre-Medicare Retirees WE ARE BNSF. Who Is Eligible and How to Enroll Medical and Vision Care Programs for Pre-Medicare Retirees

More information

YOUR BENEFITS. handbook. GE Pensioner Health Care Options at Age 65 (includes the Elfun Medical Benefits Plan) Effective January 1, 2008

YOUR BENEFITS. handbook. GE Pensioner Health Care Options at Age 65 (includes the Elfun Medical Benefits Plan) Effective January 1, 2008 handbook YOUR BENEFITS GE Pensioner Health Care Options at Age 65 (includes the Elfun Medical Benefits Plan) Effective January 1, 2008 IMPORTANT INFORMATION ABOUT THIS HANDBOOK This handbook summarizes

More information

Coventry Health Care of Louisiana, Inc.

Coventry Health Care of Louisiana, Inc. Coventry Health Care of Louisiana, Inc. http://www.chcla.com Customer Service 1-800-341-6613 Health Maintenance Organization (High and Standard Option) 2015 This plan s health coverage qualifies as minimum

More information

Benefit Coverage Chart & Rates Effective July 1, 2014 June 30, 2015

Benefit Coverage Chart & Rates Effective July 1, 2014 June 30, 2015 Benefit Coverage Chart & Rates Effective PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits o Dental o Dental & Orthodontia

More information

HEALTHSPAN MEDICARE HEALTH PLAN

HEALTHSPAN MEDICARE HEALTH PLAN This is an advertisement. HealthSpan Medicare Advantage for Federal Members (HMO) YOUR GUIDE TO CHOOSING A HEALTHSPAN MEDICARE HEALTH PLAN INCREASE YOUR COVERAGE without increasing your FEHB premium. MAKE

More information

Regence Bridge. Medicare Supplement (Medigap) Plans

Regence Bridge. Medicare Supplement (Medigap) Plans DECISION GUIDE Regence Bridge Medicare Supplement (Medigap) Plans Regence BlueCross BlueShield of Utah is an Independent Licensee of the Blue Cross and Blue Shield Association 09708rep07356-ut UT Learn

More information

Open Enrollment Benefit Year: July 1, 2014 - June 30, 2015

Open Enrollment Benefit Year: July 1, 2014 - June 30, 2015 Open Enrollment Benefit Year: July 1, 2014 - June 30, 2015 Created by your Columbus State Community College Benefits Team What is Open Enrollment? Open Enrollment is Your Once a Year Opportunity: To enroll

More information

RETIREE OPEN ENROLLMENT 2014

RETIREE OPEN ENROLLMENT 2014 RETIREE OPEN ENROLLMENT 2014 The month of August 2014 is open enrollment for eligible retirees to switch from one retiree health plan to another. Open enrollment is also the time when you are allowed to

More information