FREQUENTLY ASKED QUESTIONS: NEW HIRE/NEWLY ELIGIBLE ENROLLMENT
q.: Where can I view my current/future benefits that I am enrolled in?
- ghr.theunitedfamily.com
- Click on: Employee Quick Links (Life Events, Edit Profi…), then select “My Benefits” on the left.
Q: Where do I get my Blue Cross of Idaho medical ID card if I’m a new hire or newly eligible?
- Cards are typically mailed to your address on file within 10-15 business days once your enrollment is sent to BCI. (Enrollment files are sent once a week to BCI.)
- If you need a copy of your card sooner, please send an email to: totalbenefits@unitedtexas.com and we can send you a copy. Please make sure to include your full name and TM #.
Q: If I AM an existing policy holder, where do I get my Blue Cross of Idaho medical ID card?
- You can create an account and get your card through the Bc Idaho website: https://members.bcidaho.com/
- You can also use the below link to download the carrier app and request a card be mailed to you. You will be able get your id card right from your phone.
q: Where do I get my Delta Dental ID card if I’m a new hire or newly eligible?
- Cards are typically mailed to your address on file within 10-15 business days once your enrollment is sent to Delta Dental. (Enrollment files are sent once a week to Delta Dental.)
- If you need a copy of your card sooner, please send an email to totalbenefits@unitedtexas.com and we can send you a copy. Please make sure to include your full name and TM #.
q: If I AM an existing policy holder, where do I get my Delta Dental ID card?
- You can create an account and get your card through the Delta Dental website: https://deltadentalid.com/
- You can also use the below link to download the carrier app and request a card be mailed to you. You will be able get your id card right from your phone. https://www.unitedfamilybenefits.com/carrier-mobile-apps.html
q: Where is my VSP vision ID card?
- VSP vision does not issue a physical ID card.
- Your id number is your social security number.
- You can find vision info here: VSP (Vision Services Plan) www.vsp.com ph. (800) 877-7195
- You can also call VSP and they will be happy to assist you in finding a doctor.
q: I am having problems logging to my GHR benefits account.
- Please contact the USM help desk 806-791-8181 or support@unitedtexas.com
q: How do I set up the MFA (Multi-Factor Authenticator) so that I can log in to GHR?
Q; How do I enroll online if I Am a new hire or newly eligible?
- Please visit our website for instructions. https://www.unitedfamilybenefits.com/enrollment-instructions.html
q: How do I create a life event?
- Log into your GHR account: ghr.theunitedfamily.com
- Click Employee Quick Links (Life Events, Edit Profi…
- Life Events
- “Add Life Event”.
- You are also able to upload your verification documents if needed.
q: What’s is considered a Qualifying Life Event?
- Change in employment status, such as part-time to full-time (will have 31 days to enroll)
- Birth/adoption of child
- Marriage
- Divorce/legal separation
- Gain/loss of other coverage for you or a dependent
- Beginning/end of domestic partnership relationship
- Death of a spouse, domestic partner or dependent
- You or a covered dependent becomes eligible for Medicare or Medicaid
Qualifying documentation will need to be sent to totalbenefits@unitedtexas.com in order to finalize your life event. (Ex, marriage certificate, death certificate, birth certificate, loss of coverage documentation that includes last day covered, gain of coverage documentation that includes first day covered, etc.)
q: Where can I find carrier benefits contact information?
- https://www.unitedfamilybenefits.com/benefit-basics.html
- (Scroll to the bottom of page, “Key Contacts”)
q: What is Transcarent?
- With Transcarent Surgery Care, Blue Cross of Idaho medical plan participants save money while receiving high-quality care and concierge support, resulting in fewer complications, better outcomes and quicker recoveries for certain non-emergency surgeries.
- For associates and dependents enrolled in a Blue Cross of Idaho medical plan and undergoing certain bariatric or musculoskeletal surgical procedures (see guidebook), Transcarent is a “required use” program for high-quality, clinically appropriate care. Participants will pay $0 out of pocket (HSA participants must meet deductible before costs are waived) and receive expert guidance and end-to-end support throughout surgery and recovery
- Please see the 2024 Benefit Guidebook for additional details. https://www.unitedfamilybenefits.com/benefit-guidebook.html
- Transcarent Phone: 888-387-3912
- http://www.transcarent.com/surgery-care
- Email: surgerycare@transcarent.com
Q: What is the hours requirement for part-time team members to be eligible for benefits?
Benefits Eligibility for Part-time Team Members
To determine eligibility for benefits, you can track your hours throughout the measurement period by looking at the hours reported on your payroll checks. You may also email the Benefits team at totalbenefits@unitedtexas.com for help with tracking your hours. To calculate your average hours per week, add up the number of hours you worked each week, then divide that number by the number of weeks in the measurement period.
- Under the Affordable Care Act (ACA), employers must offer Team Members the opportunity to enroll in benefits if they meet certain qualifications. In most cases, hourly Team Members must work 30 or more hours per week to be eligible for The United Family benefits
- For part-time new hires, an Initial Measurement Period (IMP) applies. After 17 weeks from an Team Member’s hire date, the average hours worked is calculated. If the average hours worked is 30 or more during the IMP, a new hire is eligible for benefits from the first of the sixth month of employment through the end of the plan year (December 31) if enrolled during the designated enrollment period.
- The United Family evaluates hours worked to determine benefits eligibility on an annual basis. Our Standard Measurement Period (SMP) begins on or about October 1 of the prior year and ends on or about September 30 of the current year. The SMP applies to all hourly Team Members. Hours worked includes paid vacation or paid time off (PTO) taken plus credited hours for certain approved leaves of absence. If the average hours worked is 30 or more during the SMP, you are eligible for benefits through the following plan year (January 1—December 31) if you enroll during your designated enrollment period
To determine eligibility for benefits, you can track your hours throughout the measurement period by looking at the hours reported on your payroll checks. You may also email the Benefits team at totalbenefits@unitedtexas.com for help with tracking your hours. To calculate your average hours per week, add up the number of hours you worked each week, then divide that number by the number of weeks in the measurement period.
FREQUENTLY ASKED QUESTIONS: ANNUAL ENROLLMENT 2024
q: When is annual enrollment?
A: November 1, 2023 through November 17, 2023
Q: Where do I go to complete annual enrollment?
A: Sign-up on our benefits website: www.unitedfamilybenefits.com
Q: What is an active annual enrollment?
A: An active open enrollment requires ALL eligible Team Members to elect or waive company benefits. Previous benefits will not automatically rollover.
Q: WHY IS ANNUAL ENROLLMENT AN ACTIVE ENROLLMENT?
A: Due to major changes in our benefit plans:
- All new Medical and Dental plans
- Consolidated Medical plan with an HSA (Health Savings Account) option
- Discontinuation of the Wellness Discount. The Wellness Discount will end with the current plan. We are evaluating future programs to provide you and your family with Health and Wellness benefits and incentives for a healthy lifestyle. Please refer to your Annual Enrollment Packet on other programs we currently offer such as the Diabetes Management Program, 24-Hour Nurseline, SmartShopper and the Employee Assistance Program, just to name a few.
- Short Term Disability Enhancements
- All Full Time Team Members are automatically enrolled in Short Term Disability. This plan has been enhanced so that now with a qualifying event, you are eligible for 100% of your pay for the first 6 weeks, and 60% of your eligible pay for 19 additional weeks.
- Vision Plan Enhancements
- VSP KidsCare is a new program for children that need eye care insurance.
Q: how do i know what medical plan to pick?
Alex, Our online Benefits counselor.
When it comes to choosing health plans, everyone has different priorities, such as weekly contributions, choice of in-network providers and cost of care. Alex is our interactive benefits counselor who will explain your benefits in easy-to-understand language.
Alex can provide details and answer questions about the following benefits: medical, dental, vision, health savings account (HSA), Healthcare FSA and Dependent Day Care FSA.
Go to homepage and click link to Alex.
When it comes to choosing health plans, everyone has different priorities, such as weekly contributions, choice of in-network providers and cost of care. Alex is our interactive benefits counselor who will explain your benefits in easy-to-understand language.
Alex can provide details and answer questions about the following benefits: medical, dental, vision, health savings account (HSA), Healthcare FSA and Dependent Day Care FSA.
Go to homepage and click link to Alex.
Q: what is the difference between an fsa and an hsa?
- You own your own account, not your employer: ✔️HSA ❌FSA
- Contributions you make to your account are pre-tax deductions: ✔️HSA ✔️FSA
- The money in your account stays with you, no matter what: ✔️HSA ❌FSA
- The account can be good for long term savings: ✔️HSA ❌FSA
- You can invest the money for potential tax-free growth: ✔️HSA ❌FSA
- You can spend the money tax free on qualified medical expenses: ✔️HSA ✔️FSA
- If you lose your job, the money can cover your COBRA cost: ✔️HSA ❌FSA
- The account covers your qualified medical cost in retirement: ✔️HSA ❌FSA
Q: are there options for phone or video consulations with a doctor on any of the plans?
Teledoc is a great benefit option that allows you to consult with a physician for much less than an actual office visit. (Only $20 per visit if you are on the EPO or PPO plan.)