See the future more clearly with post-enrollment FAQs
What should I do if my Benefits Confirmation Statement lists the incorrect benefits or has
incorrect/missing dependents?
Don’t worry! You have two weeks from the date of the Confirmation Statement to report any discrepancies.
Your MyLife Advisor (MLA) will take it from there – and ensure the necessary corrections are made. You can
contact your MLA at 1-800-554-1802 or by sending an email to MyLifeAdvisor@ADP.com.
Why haven’t I received my new insurance card?
If your plan isn’t changing, why bother with a new card? You can keep using your old one, which your doctor
may already have on file. (Here’s to making things easy!) If you’d like a new card, you can print one from your
carrier’s website. If you did make changes to your plan and would like to discuss receiving a new card, it’s
best to contact your carrier directly.
Why is the insurance company telling me my insurance will terminate on May 31?
That makes sense. Our Plan Year runs from June 1 to May 31. So, if you re-enrolled during Open Enrollment,
your new plan will start on June 1. This information takes seven to ten days to reflect in the carrier’s system,
so please be patient.
Why didn’t my Flexible Spending Account (FSA) elections roll over?
FSA elections don’t roll over from previous Plan Years. You must make new FSA elections during Open
Enrollment if you want to contribute to your FSA in the new Plan Year.
When will my Health Care FSA rollover funds become available?
Participants in the Health Care FSA (including the Limited Health Care FSA) are permitted to carry over up to
$550 of their remaining account balance, as of the current Plan Year claim filing deadline. Eligible carryover
amounts will be applied to the following Plan Year and must be used by the end of the year in which the
funds are carried into, unless you enroll in the Health Care FSA (including the Limited Health Care FSA) for the
following Plan Year. The claim filing deadline for each Plan Year is July 30.
I reached my deductible in April. Now that I’ve re-enrolled, will I have to meet my
deductible again?
Deductibles are based on a regular calendar year, January through December. (As a reminder, our benefits
are based on a “Plan Year.”) That means you will not have to meet your deductible again. Even better — if
you’re staying with the same carrier, your deductible should carry over automatically.
How do I determine my plan network so I can locate a participating provider?
It’s easy! Just register on the carrier’s site with your member info and you can find a participating provider
right there. You can even find plan network information in the Benefits Summary section of ADP TotalSource
®
.
Why are the benefit deduction(s) in my paycheck higher than normal?
Don’t forget — benefit premiums may change year to year for all participants, depending on the market. If
the cost of the plan increases, your deductions will also increase.
I just realized my benefits enrollment window had passed. Can I still enroll?
Oh no! We’re sorry to hear that. Typically, elections can only be made during the annual Open Enrollment
window.
Good news, though. If you liked your plan last year, your benefits have rolled over — (or, if plans have
changed, you’ve received the next closest plan.) But this is important: FSAs do not roll over (except for the
$550 mentioned above), and if your plan has changed, your deductions may be different.
If you have an IRS-qualified life event (such as marriage, divorce, birth of a child or loss of other coverage),
you will be able to submit a change in status request and re-evaluate your options.
Why is the pharmacy telling me my prescription isn’t covered?
Scenario #1:
Sometimes, benefit plans will ask that you try other clinically appropriate and cost-effective drugs before
approving the one on your prescription — unless your doctor provides a medical exception.
Scenario #2:
There may have been a change to the formulary list. To determine Rx changes, you can log in to your carrier's
website or refer to their Certificate of Coverage.
Why did I pay more money for my prescription when I went to the pharmacy?
It’s possible that your plan changed this year — and your Rx benefits now have a deductible that must be met
before Rx can be covered. (Most Rx deductibles are $50-$100.) Fortunately, this amount does count toward
your overall deductible, so you’ll get there faster.
