Frequently Asked Questions

Click here for step-by-step instructions (in English and Spanish).

You can make changes to your benefit elections during your healthcare and benefits open enrollment OR if you have a qualifying life event (QLE).

A QLE is a change in your situation, like a marriage, divorce, or having a baby, for example, which allows you to make changes to your health insurance. Take a look a this document for more information.

You have 30 days to submit your changes; please contact HR for more information.

Here's an overview of qualifying life events from Healthcare.gov.

If you have a QLE, contact HR.

You can make plan changes and enroll dependents during open enrollment or if you have a qualifying life event.

First, make sure you compare the bill you received with the EOB from the insurance. If you need to locate an EOB you can find one by logging into your account at www.alliedbenefit.com. If the bill does not match the EOB, please contact your Lacher benefits advocate for further assistance.

While regular medical care focuses on treating illness, preventive care aims to keep you from getting sick in the first place by focusing on helping you maintain good health. When you visit your doctor for a preventive care service - like a physical exam or a health screening - you should not be billed. However, if you ask your doctor about a specific health concern while you are at your preventive care visit, it may be billed as an office visit, and not a preventive care visit.

Here’s how to be sure your preventive care visit is free for you:

1. Mention prevention upfront – When scheduling your appointment, confirm that you are scheduling a preventive care visit.

2. Know what to discuss with your doctor during the visit – During your visit, keep the conversation focused on how you can maintain a healthy lifestyle.

3. Ask your doctor – If you do ask questions about a specific health concern while at your visit, ask your doctor if that will be treated as an office visit or as a preventive visit. Let your doctor know you are expecting this visit to be of no charge to you.

For more information about preventive care, contact your Lacher benefits advocate.

Take a look at this flyer to learn about your choices when it comes to where you should receive care.

High level overview:

Primary Care Physician - This is your home base. Your doctor knows your history and is a good place to start. Cost to you:

• PPO plan: $10 copay

• HSA plan: After you pay your deductible, insurance pays 100%

Emergency Room - Go to an ER when you have a life-threatening issue. Cost to you:

• PPO plan: $175 copay

• HSA plan: After you pay your deductible, insurance pays 100%

Urgent Care - Consider an urgent care center for non-life threatening condition. You'll save time and money over the ER. Cost to you:

• PPO plan: $50 copay

• HSA plan: After you pay your deductible, insurance pays 100%

Telemedicine through Recuro Health - Consider using Recuro Health for non-life threatening conditions, and when you need 24/7 care. Cost to you:

• PPO plan: $0

• HSA plan: After you pay your deductible, insurance pays 100%