Am I Eligible to Enroll in 2018 Benefits?
You are eligible to participate in 2018 Benefits Enrollment (November 1-15, 2017) if you are classified as a regular full-time employee who works at least 35 hours per week (70 hours per pay period), or as a regular part-time employee who works at least 24 hours per week (48 hours per pay period).
Please Note: Memorial Medical Group providers will be eligible for the same 2018 benefits options as the BJC Medical Group.
Can I Enroll My Dependents?
Yes. You can cover your dependents in the benefits you elect, including your spouse, your children up to age 26, and your disabled child of any age. BJC’s Summary Plan Descriptions (SPD) defines a child as an employee’s natural child, step-child, legally adopted child, or a child placed with you for adoption. Your dependent cannot be enrolled in benefits by more than one BJC employee. For more detailed information, see the Benefits Summary Plan Descriptions (SPD).
Attention Memorial employees: Spouses are not eligible to participate in the BJC Medical Plan if they have access to group medical coverage from their employer, which is Memorial’s current practice. As noted above, Memorial Medical Group providers will be eligible for the same 2018 benefits options as the BJC Medical Group and, therefore, their spouses would be eligible to participate in the BJC Medical Plan if they have access to group medical coverage. If Memorial Medical Group providers choose to cover their spouse under the BJC Medical Plan, and the spouse has access to group medical coverage, the Memorial Medical Group provider would be subject to the Working Spouse Contribution.
Do I Need to Verify My Dependent’s Eligibility?
If you are enrolling a new dependent or a dependent not previously verified as eligible, you will need to provide documentation verifying their eligibility for coverage. Secova, BJC’s dependent eligibility verification administrator, will mail to your home a packet detailing the necessary steps. Verifying a spouse typically requires a marriage certificate, utility bill, bank statement or tax return. You may verify a child with a birth certificate or tax return. You must provide documentation to ensure your dependents have coverage on BJC plans.
Please Note: BJC also conducts periodic audits to ensure that dependents enrolled in the health care and insurance plans meet the criteria for coverage.
When Does My Coverage Begin?
Coverage elected during annual enrollment will be effective on January 1, 2018, except for supplemental life insurance that requires Evidence of Insurability (EOI) approval. In general, coverage for you and your eligible dependents will begin on the first day of the month after 30 days of employment, provided you complete your online enrollment within 15 days of your hire date. Short-term and long-term disability plan benefits will be effective after six months of employment.
GME Resident House Staff: Your medical coverage will begin on your hire date. All other coverage will begin on the first day of the month after 30 days of employment, provided you complete your online enrollment within 15 days of your hire date.
Please Note: Employees hired on or after January 1, 2018, will have 31 days from their date of hire to complete their initial online benefits enrollment.