American Medical Plan

Employee must submit a completed health enrollment form or declination form no later than 30 days after employee’s start date.


Health Insurance Information

Benefits

Price Comparison Table

Monthly Rates MEC MEC PLUS Indemnity w/MEC+ MEC Enhanced MEC Enhanced + Indemnity MVP (minimum rates)
Employee $63.00 $99.00 $180.80 $219.00 $300.80 $349.00
Employee + Spouse $105.00 $163.00 $333.00 $436.00 $606.00 $638.00
Employee + Child(ren) $107.00 $144.00 $277.00 $409.00 $542.00 $629.00
Family $183.00 $209.00 $451.00 $599.00 $841.00 $979.00

Group Insurance Plans FAQ:
Important Information

  1. How do I know if I am eligible to join your group health plan?

    All full-time employees (averaging 30 or more hours/week) are eligible to join.

  2. What do you need from me?

    Due to the federal mandates of the Affordable Care Act, ALL full-time employees must submit a completed enrollment form or declination form through the myTime employee portal.

  3. When will my health and/or Indemnity coverage start?

    Coverage will be effective on the first of the month following a waiting period of 60 days after your start date.

  4. When will my dental coverage start?

    Your coverage will be effective on the first of the month following a waiting period of 30 days after your start date.

  5. What do I risk if I choose to not have health insurance coverage?

    The maximum penalty for 2018 hasn’t yet been determined, but in 2017, any person who does not have Minimal Essential Coverage (MEC) in a qualified health insurance plan will be fined a minimum of $695 per adult, $347.50 per child under 18, or 2.5% of your household income, whichever is greater.

  6. How will my health and/or Indemnity premium be deducted from my payroll?

    We will deduct your premium on a pre-tax basis through weekly payroll deductions on the first four payrolls of each month. Deductions will start one month prior to your effective date since the plan requires that all monthly premiums be paid in advance. Should you work less than 4 weeks in any month, your weekly premium may be adjusted in order to cover your full month’s premium. Overpaid premiums will be reimbursed should your assignment end.

  7. How will my dental premium be deducted from my payroll?

    We will deduct your premium on a pre-tax basis through weekly payroll deductions on the first four payrolls of each month. Should you work less than 4 weeks in any month, your weekly premium may be adjusted in order to cover your full month’s premium. Overpaid premiums will be reimbursed should your assignment end.

  8. What if I start Part-Time and my hours change to Full-Time?

    If your part-time status changes to an average of 30 hours per week or more at any time during your employment, and you are interested in our group insurance plan, you may join by applying within 30 days of your change in status. Your effective date will be the first day of the following month. If you miss this deadline you may still join the plan during our open enrollment period every December.

  9. Can I cancel my health coverage?

    Once enrolled, you cannot cancel your coverage unless you experience a qualifying event such as recently acquiring other coverage and changes in your family size (marriage, divorce, or birth of a child). You must provide proof of the life-changing event within 30 days of that event.

  10. Can I add a dependent to my health plan?

    If you gain a new dependent through birth, adoption, or marriage, you may enroll the new dependent at that time. You must provide proof of the life changing event within 30 days of that event.

  11. Can I enroll in health coverage at a later date if I experience a life-changing event?

    Yes, you may enroll if you have a qualifying event such as marriage, divorce, or the birth of a child provided you enroll within 30 days of the qualifying event. If you are covered under another plan but that coverage is lost, you can enroll in our group health plan within 30 days of losing the other coverage.

  12. What happens if my employment ends?

    If your employment ends, your insurance will be discontinued at the end of the month. You may elect to continue your coverage through COBRA.

  13. Where do I find provider information?

    To locate a specific provider within the PHCS Multiplan Network visit www.multiplan.com.

  14. How do I check if my prescriptions are covered?

    Refer to the Drug Index for a list of prescriptions covered through the Focus RX network. For information on which pharmacies have a cheaper price you can call Simple Save RX at 1.844.Save4RX.

  15. What are my plan options and what do they cover?

    Refer to the Benefit Handbook for information.

    Brief Description of the Health plans:

    MEC** – covers preventative services only.

    MEC Plus** – includes the minimum essential coverage of the MEC plan. Added benefits include three annual office visits, one annual urgent care visit, and prescription coverage.

    MEC Enhanced** – includes the minimum essential coverage of the MEC plan with additional benefits including prescription coverage, primary care, specialist visits, diagnostic X-Ray and lab, imaging (CT/Pet Scan and MRI), emergency room, and urgent care.

    Hospital Indemnity plan – you may add this benefit to the MEC, MEC Plus, or MEC Enhanced plan for an additional cost. This is a benefit that will pay you for doctor visits, emergency room visit, hospital admission, and inpatient/outpatient surgery.

    MVP** – Requires completion of a health questionnaire and a $7,150 (individual) deductible must be met before any services are covered.

    **Participation in the MEC, MEC Plus, MEC enhanced, or MVP plan will meet the ACA requirement of minimum essential coverage.

    Delta Dental – $1,000 calendar year maximum / $50 calendar year deductible per person.
    Employee = $39.39/month.
    Employee + 1 Dependent = $77.92/month.
    Employee + 2 or more Dependents = $120.75/month. Refer to the Delta Dental Information packet and Delta Dental Enrollment Form. Coverage is effective on the first of the month following a 30 day waiting period after your start date. Deductions start on the first pay period after coverage is effective.

  16. Can I select Delta Dental or Indemnity without selecting a MEC health plan?

    Yes.

  17. What is the cost for each of these plans?

    Refer to the Pricing Comparison Table.

  18. Who do I contact if I have any questions?

    If you have any questions, please contact our insurance team at 562-284-5333 or email customerservice@americanmedicalplan.com.