Health Plans & Enrollment
New Therapists
We'll send you a link to ProApply where you'll have two weeks to complete your enrollment. Plan details and rate info can be found by logging into ProApply portal.
Open Enrollment:
October
In October, employees receive a unique Pro- Apply link for annual enrollment.
Waiving Coverage
To waive all coverage, you can simply email leadership.
The email should state you are choosing to waive coverage, list the coverage you're waiving (medical, dental, and vision) and include the names of any eligible dependents
FAQ
Plan Information
Are medical rates always based on age?
Not always, some plans use composite rates which are based on an average profile. There are benefits to this structure, however they usually have higher costs for employees. Each enrollment cycle, we'll evaluate both rate structures.
Are dependent premiums impacted by age-banded rates?
Using age-banded rates, each dependent has their own premium. With composite rates, 1-3 dependents under 21 can be added for the cost of one. You may be familiar with a plan using composite rates, so its important to know how your total cost is impacted if you add multiple dependents to your policy.
If I enroll in medical, do I have to enroll in dental or vision?
No, you can enroll in only the plans you want. The benefits are independent of each other.
Does an employee have to enroll for their spouse or children to enroll?
Yes, employees must enroll for family members to be eligible.
When do policies become effective for new employees?
Effective dates are the 1st of the month following 30 days employment. For example, if May 15 is your start date, 30 days is approximately June 15. Your coverage becomes effective on July 1.
If I decline coverage now, can I opt in later?
You can elect coverage during the next open enrollment period unless you have a qualifying event which allows for enrollment mid-year.
When will my insurance card arrive?
7-10 days after the effective date. You'll have access to a temporary card and your member ID in the meantime
Resources
Includes Premium Only Plan (POP) description