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Plans FAQ


Plans FAQ

The Consolidated Omnibus Budget Reconciliation Act (COBRA) applies to employers who employ 20 or more individuals and provides for continuation of health coverage if the employee or covered dependents lose coverage under the plan. Under certain circumstances, called qualifying events, the employee and/or dependents can continue coverage for a limited period of time by making contributions to the plan. The various qualifying events, election requirements, and period that coverage can be continued are outlined in the benefit plan.

Dental Insurance

Insurance that helps pay for dental care and usually includes regular checkups, cleanings, X-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others, and some will require a greater financial contribution from members when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia. For CareFactor dental plans, no network is utilized.

High Deductible Health Plan (HDHP)

A plan that features higher deductibles than traditional insurance plans. HDHPs can be combined with an HSA, HRA, or FSA to help members pay for qualified out of pocket medical expenses on a pre-tax basis.

Minimum Essential Coverage (MEC)

Any insurance plan that meets the Affordable Care Act requirement for having health coverage. To avoid the penalty for not having insurance, members must be enrolled in a plan that qualifies as minimum essential coverage (sometimes called "qualifying health coverage"). Examples of plans that qualify include Marketplace plans, job-based plans, Medicare, Medicaid, and CHIP.

Vision Insurance

Insurance that covers specific eye care benefits defined in the policy. Vision insurance policies typically cover routine eye exams and other procedures, and provide specified dollar amounts or discounts for the purchase of eyeglasses and contact lenses. For CareFactor vision plans, no network is utilized.

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